"...I have enough to pay my bills and buy a few toys and still set aside a little each month..."

It's worth considering that 80%+ of the humans on Earth would trade places with you, no questions asked. Anything above "day-to-day survival" is "wealth." We in the West are so much wealthier than we realize, both in resources and opportunity; but I think a lot of us have lost sight of that, to an alarming (and perhaps self-destructive) degree.