How much does a billion dollars change your life?
Your life is what you make out of it. Making a lot of money does not change your life in a way that you might think it would. It does not give you joy. You might end up sitting at home and playing video games all day, which is not a very good way to spend a life, and you don't need money to do that either. In fact, when you are working on something, it gives you a direction, a path to follow, but once you don't have to work anymore, you have to figure out a path, which could be very disorienting.