Even though it seems like money reduces hardship and should increase happiness, I think as long as you aren't broke, relationships matter more than bank accounts.
What do you think?
Things sound like they're OK for the OP right now, and he doesn't sound incredibly troubled, just perturbed. And that's probably the right point of view; no use freaking out. But I genuinely worry for a big chunk of the US - people my age and younger - because I don't know if they'll be able to afford anything, or get jobs, 10 years from now.
Once you're able to pay your expenses and put enough money away to have piece of mind, I think the intangible things matter most. If all my friends have to move into the wilderness to afford their rent, though, I'm gonna be pretty lonely :)