I've always taken to the perspective that money alleviates stress and anxiety, but alleviating stress and anxiety is not the definition of happiness (even if it helps).
Your perspective encapsulates mine and I would add that having no financial burden does grant one all of their time too if they choose. Time is the one thing that no one can ever directly buy more of and earning more time is done day in and day out through sound choices around mental and physical activity. Money buys experiences, invest wisely to earn more time, while I state to everyone to "Stay Healthy!" and make sound long term choices because one's potential future health event can significantly change one's future. I speak from direct experience.
