&gt; <i>without realizing that it&#x27;s simply saying that there are diminishing returns above that point</i><p>But I thought <i>everyone</i> got that point. It&#x27;s not as if people thought every additional dollar brought them misery. People who quote this understand that you don&#x27;t <i>need</i> this additional money, and that the effort&#x2F;sacrifices to get it are not worth it.