Think about money as stress, both an accumulation and an expenditure.
To become proficient in something, one must undergo stressful learning, after which it seems easier, and people pay you so that they do not have to stress (experience difficulty) outside of their subject of expertise.
Equally, as you gain responsibility, more stress and risk are placed on you, and you are paid more. To offload home stresses, you can then afford better entertainment, services, and safer communities.
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