I think money prevents certain types misery more than it buys happiness.
For example, flights with stopovers and shitty public transportation make me miserable and usually sick. By spending money on direct flights and taxis, I save myself many days of life that would otherwise be lost (I have to travel a lot).
Similarly, knowing I can afford good medical care if I get sick, or find a new apartment if mine becomes unpleasant, or send my kids to a private school if public schools are too useless... these things don't make me deeply happy, but if they were not true, that would make me constantly anxious.
Money is a cushion against disaster. If something goes awry, you can use it to buy medical or legal or technical assistance. However, for me personally it does not cause an actually happy or joyful affect, nor does it seem to buy the things that do (except very indirectly).
Since you didn't spell it out this aspect of it: one aspect of this would be to invest in better insurance policies.
On ChrisHallquist's post extolling the virtues of money, the top comment is Eliezer pointing out the lack of concrete examples. Can anyone think of any? This is not just hypothetical: if I think your suggestion is good, I will try it (and report back on how it went)
I care about health, improving personal skills (particularly: programming, writing, people skills), gaining respect (particularly at work), and entertainment (these days: primarily books and computer games). If you think I should care about something else, feel free to suggest it.
I am early-twenties programmer living in San Francisco. In the interest of getting advice useful to more than one person, I'll omit further personal details.
Budget: $50/day
If your idea requires significant ongoing time commitment, that is a major negative.