Every single goal you have is just the next step on a ladder, as soon as you hit it there will be another one. You'll forget you even worked to get there, and focus on the next step, thinking "ah if only I were there, I'd be happy". It never stops, it gets increasingly harder and depressing unless you are aware of it. As far as I can tell a lot of people never understand that until very late in their life.

Most people in the world are living with way less than what you have, it's just a matter of perspective. If you think material things will help you feel better you're plain wrong. As long as you have food, a roof over your head and some sort of community you're good to go.

The book of Ecclesiastes from (what Christians call) the Old Testament focuses on this very thing.

Short summary: https://www.sparknotes.com/lit/oldtestament/section12/

There is only another step if you create one for yourself. If you set yourself a goal e.g $1m in savings and I can retire, and achieve it, there is no reason not to quit and enjoy it, except for yourself

I think a big component of happiness is security. At my current rate of savings I don't have that as much as most people I know.