If you have a reasonably high income, I think the tradeof is actually never worth it, because the marginal happiness from money gets so low. Sure I could buy a yacht but that's not going to make me much happier. Buying a mansion by the sea would not really make me much happier either. Sure I might do it if I had the money because why not but that would not accept to work on weekends for a few years to get it even if it was guaranteed.