OK... An example of what it really means and toss it out to the extreme - tho it does not have to go to this level.
Got a friend who has more money than all of us combined here - plus, who knows - many millions more. What kinda house? Various - only because he needs a base in certain countries. He does not "appreciate" the houses as such - he needs a bed to sleep in (that's part of "quality of life" and is appreciated *lol*). What kinda car? Very ordinary - something with four wheels that works. Clothes? Whatever is handy. No time to think about trivia or waste time in malls.
How many hours working each day? Probably around at least 18 - to the extent his main lawyer takes his phone off the hook to kill the calls from him at 3 in the morning. His lawyer appreciates life more than he does.
What would he really want to do?? Go to bed at night and get on a horse in the morning and ride along a beach - then go for breakfast. Very simple stuff. That is unlikely to ever happen
Why? Because he is responsible for 1000's of employees worldwide, the operation of around 400 international hotels, around 700 travel stores, a cruise line (boats) and other stuff. With that comes problems with real estate, court cases, management ad nausea... All of that is a vicious circle and hard to stop - the biz still has to run 24/7. Will he have a long life, retire gracefully and appreciate "having money"??? I don't think so
If you had the chance, would you like to start tomorrow living that lifestyle??