Exactly. Once your needs and wants are met, every extra dollar can just get saved, and means less time until retirement. For this reason, there is never “a point where the money just isn't a motivating factor anymore.” If you are already comfortable and have the trajectory to retire at 55, why not job hop if only to be able to retire at 45? To me, the only point where moar money is truly useless is the day you retire, and even then, maybe you want to pay for your kid’s college or something?
I think it's rather personal. I never plan to retire. I want to die coding. The extra cash isn't really a motivation. I've quit a job that I sort of liked, to take a job that paid 10k less, but was something I ended up loving. I didn't notice the difference in my spending habits.
