Not optimizing for money is setting yourself up for long term sadness.
I'm not saying work for minimum wage. Money is obviously a component to happiness, because while you can't buy happiness, it's hard to be happy when you can't afford to eat. But you probably don't have to hit 100% of your maximum earning potential to avoid starvation-induced unhappiness, which is why optimizing for money is not my approach.
And most of the times it is.
Not optimizing for money is setting yourself up for long term sadness. Though it might make you feel comfortable for the meanwhile.