"When we’re infants, we get very little enjoyment out of money. Babies are expensive to take care of, true, but it’s not like they get a lot of enjoyment from spending money. When you’re a baby, there’s no greater happiness than Mom and the crib. In a way, the amount of utility that babies get from money is very similar to what the elderly get. Money is nearly worthless at the very beginning and the very end of life."