with the moon conversation, I guess it comes to how much money would be able to change your life. like, not being able to see the moon would change the way you see the world and therefore change your life in a way, but once you get to a point that changes your life more than not seeing the moon, THAT'S when you'd take the money. maybe around the 20k mark is where I'd start to consider it because it would give me the chance to move out, put a deposit down on a flat and have some money in savings