Relative to what most people make, 200k is a lot of money. It means that (provided you are responsible with money) you don't have to worry about the little things that come up like appliances/cars breaking down, you can take a nice vacation each year, you never have to make a tough choice at the grocery store, etc. Your day-to-day life is tangibly different in a lot of small ways. There's a security in that which allows you to live with far fewer worries, but more importantly, that's the point at which you can make substantial investments without sacrificing comforts.