Well said Beef!!!
Money gives us options and the ability to make choices we otherwise could not make without it, however it can not buy us wisdom or happiness as you obviously know ..
That comes with life experiences, emotional or physical pain, loss of loved ones, financial loss all these things are the building blocks that can teach us what's really important and appreciate what we have rather than focus on what we don't have..
I'm pleased to say I have experienced all you said except retirement on an Island and death. Thank you for your wise words..
Oh I recon you made a good choice investing in BIN back your judgement it will pay of.. Good luck to you..