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).