in reply to "doingmything" (comment is flagged dead but I want to answer non the less)

>> Not sure I'd want to continue living after making all these adjustments. What's the point?

This is some minimum to live without much worries, everything above can go towards security, culture, good food and entertainment. What remains near to free: creating, learning, loving, socialising and helping others. Even the free things need time though, so one might also take exchange having less income for more time to do nice things.