I think that is a good assessment: other people’s opinions creating internal conflict over values. One thing that certainly weighs on my mind is my family’s opinion of my choices. My mother said she is ashamed of me for picking physics over engineering. She, and several others, has told me that I am being objectively wasteful by not taking advantage of my full scholarship to maximize my income by going into engineering. That has put a lot of pressure on me.Sounds like you recognize and accept your personal social values.
I think that you probably need to spend some time honestly evaluating your personal economic values. You praise the “not in it for the money” attitude but are simultaneously concerned about the money. To me that indicates a personal unresolved economic values conflict.
Don’t let other people tell you what your economic values should be. Sometimes parents push lifestyle and income goals on kids who are content with less and have other priorities. Sometimes peers accidentally draw you into their worries simply by talking about them, when it isn’t something that would otherwise bother you. Sometimes there is an internal conflict between the values that you actually hold and the values that you think you should hold or which you think others expect you to hold. Whatever the situation, I think that is where you need to start. What sort of an economic life would make you happy?
To answer your question, I feel that my needs are fairly limited. If I have a stable internet connection, a roof over my head, and two meals a day, I am content. I am not particularly interested in eating out, traveling, or having a family.