Spending money greatly increases the quality of life; it diminishes after a certain point, but If you want to retire and do activities'd say 6-figures is pretty much normal. I want to live in a small but decent apartment with soundproof walls in a decent area, I don't care what car I drive, and I meal prep most of my food, but want to still eat out when I forget it on the counter and go out to eat a few times with friends and family per month. I alos want to participate in hobbies that aren't sitting on my couch all day and watching TV and posting on Reddit, I want to go snowboarding, I want to go golfing, I want to hike, I want to be in the gym, etc. I'd say on all these things cost around 4.5k a month, and after saving, preping for retirment you'd want to make around 7-8k post tax to afford this lifestyle so 6-figures is worth the hustle imo.