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Contra, "The First $10,000 [of Net Worth] is the Most Important":

> What’s the smallest amount of money that you would consider “life-changing”? Some might say $100,000. Others over $1 million. If you had asked me this question a few years ago, I would have told you something similar.

> But today, I’m convinced that the most life-changing amount of money is $10,000—in particular, the first $10,000.

[…]

> Why? Because getting out of Level 1 fundamentally changes how you experience life. You go from focusing on your next paycheck and dreading your next bill to enjoying your time without worry. Getting out of Level 1 frees your mind so that you can focus on other things. That first $10,000 can bring: Stability […]; Confidence […]; Momentum […]; Mental freedom.

* https://ofdollarsanddata.com/the-first-10000-is-the-most-imp...

* https://news.ycombinator.com/item?id=44931836



My fundamental belief: Money doesn't bring happiness, but the lack of it brings unhappiness.


The author of https://ofdollarsanddata.com/ has a new book that has a couple of chapters that go into this:

* https://ofdollarsanddata.com/the-wealth-ladder/

The research he cites finds that happiness starts levelling out at Levels 3-4 of his framework. Some of his posts on the subject:

* https://ofdollarsanddata.com/?s=happiness




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