The saying "money doesn't buy happiness" should be reworded I think. Money could buy you ways to get experiences that leads to happiness, like a concert or convention. Really, money by itself doesn't buy you happiness but true happiness comes from experiences and creating memories
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For me I just have money anxiety and always worry about not being able to pay my bills, but if I have money then I eliminate that stress and worry which in turns allow me to focus on more things that brings happiness
So yea it fits with what u said too lol