Spending more will not make me any happier. Just this afternoon. I sat on my Adirondack chair in my backyard, one dog on my lap, the other lying in the grass, belly up her face toward the sun. This thought AGAIN comes to my mind, and it is a thought that I have at least 5 times a day "This is happiness!" And other than the cost of property tax and utilities and maintenance, that happiness did not cost me anything. To be happy in one's own home, wearing whatever is comfortable, and spending time w/ loved ones (in this case, all four-legged creatures) does not require 6% SWR. I would not be any happier if I spent more money.