Being Canadian, I have access to public health, but if I get sick with even minor things, it'll take up my whole day. Now, if I get sick, I'll just pay the ~$200 fee to see a private doctor for 15 minutes, get what I need and get out.
Dental is not covered by public health, so there were at times I delayed treatment because I couldn't afford it.
I used to live in Vancouver where people will tell you they have good public transport but it's a lie. It's really only if you live along the skytrain corridors because the busses are always late and it's always raining. So if you don't have a car, you're wet, cold, late, and miserable. Now I just pay for Uber. Better yet, I just live downtown and I can walk wherever.
Going to the grocery store when I was poor was also difficult. Thinking about what I can afford means spending time comparing prices or even stores, and compromising on the meals I wanted to make. Now I just throw everything I want into the cart and I don't even look at the price tag.
Being poor sucks and there are countless more examples.
I work almost just as much as I used to before but my life gets easier and better the more money I make. It's incredible to me the difference money makes. Compound interest is real and determining when it's enough is about determining the rate of growth in absolute terms relative to the cost of living you'd be happy with.