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New Yorkers are consumed these days by their elected officials’ expense accounts.

We’ve learned that while former Gov. Eliot Spitzer spent a fortune hiring high-priced prostitutes, he frugally dispatched one woman from New York to an assignation at the Mayflower Hotel in Washington on the cheaper regional train instead of splurging on the Acela. Gov. David Paterson just got around to reimbursing his campaign’s American Express platinum card account for two stays, five years or more ago, at a Days Inn on the Upper West Side — a hotel where he carried on an extramarital affair and was billed $253 for two nights (compared to the Mayflower, where the cheapest double starts at more than $400).

Full details of these transactions and others may yet yield a trove of additional insights into the character of the two governors. But, meanwhile, another public official has all but gotten a free pass over one aspect of his personal finances: Nobody outside Michael Bloomberg’s tight inner circle knows how much he spent not running for president.

We don’t know how much his non-campaign cost.

We don’t know who got paid — or for doing what.

Nor, under the law, are we entitled to.

Campaign financing experts say Bloomberg is under no legal obligation to disclose his expenses because, as a self-made billionaire, he never solicited contributions from anybody else. He never formally declared that he was even exploring, much less embarking on, a presidential campaign.

Now, nobody is claiming that Bloomberg spent his money improperly.

But if a byword of accountability is to follow the money, where does nondisclosure leave us in a year when we’ve parsed the campaign financing filings of the other candidates even to compare what they’ve spent on doughnuts?

If you are what you eat, or what you wear, aren’t you also what you spend?

With Bloomberg, we’re talking about a guy who invested $160 million on his two mayoral campaigns, more than either Hillary Rodham Clinton or Barack Obama reported spending so far on running for president.

We’re talking about a guy who recently gave $500,000 to Albany Republicans — ostensibly to help them retain their tenuous grip on the State Senate, but, perhaps, also as an unspoken incentive to approve the mayor’s congestion pricing charge for motorists entering Manhattan.

What’s $500,000 to Bloomberg?

That’s how much extra he spent in a single afternoon — on Election Day 2001 — when last-minute polling suggested he needed to galvanize every one of his potential supporters.

To Bloomberg, spending $500,000 is comparable to a measly millionaire shelling out a mere $100. That much would buy you a dozen drives into Manhattan once congestion pricing is imposed, but not even a full night at a Days Inn.

The mayor has sort of revealed the recipients of his generous and influential philanthropy. But when I asked Stu Loeser, his spokesman, for an accounting of Bloomberg’s national political expenses, he replied: “No thanks. We decline to comment.”

Campaigning is expensive.

It was humanizing to hear that in 2001, when Bloomberg was still trailing his chief mayoral rival by double digits, he confided to his pollster: “I’m already in this race for $20 million. When do I start to move?”

Four years later, Bloomberg barely winced when his re-election campaign invested more than $10 million on developing a computerized database that included sophisticated psychological profiles of New York City voters.

After that election, a spokesman responded to criticism of Bloomberg’s record campaign budget by suggesting that the mayor had gone beyond the legal requirements in revealing what he spent.

“The Bloomberg campaign is disclosing the same financial information, in the same publicly accessible format, as all other campaigns,” the spokesman said, “even though we are not accepting taxpayer money.”

In 2005, though, unlike 2001, Bloomberg was required to make such disclosures to the city’s Campaign Finance Board.

If, as his spokesman seemed to suggest, he was voluntarily doing the public a favor back then, why not now?

How much money buys happiness? A wide body of research suggests the number is approximately forty thousand dollars a year. Daniel Gilbert, professor of psychology at Harvard University, says once you have enough money to meet basic needs – food, shelter, but not necessarily cable —incremental increases have little effect on your happiness.

Aaron Karo, comedian and author of the forthcoming book, Ruminations on Twentysomething Life, responds to the number with, “If you want to draw a line in the sand, happiness is having enough money so you don’t have to move back in with your parents.”

To someone who just spent four years in college living off nine-thousand-dollar loan stipends, an increase to forty thousand means a lot – moving from poverty to middle class. But it’s a one-time rush. After you hit the forty-thousand-dollar-range money never gives you that surge in happiness again.

Twentysomethings who are looking for happiness from their careers will benefit from research about their parents’ choices. Richard Easterlin, professor of economics at University of Southern California says previous generations have proven that our desires adjust to our income. “At all levels of income, the typical response is that one needs 20% more to be happy.” Once you have basic needs met, the axiom is true: more money does not make more happiness.

So then one asks, what does matter? The big factors in determining happiness levels are satisfaction with your job and social relationships. And in case you found yourself slipping back to thoughts of salary, according to Easterlin, “How much pleasure people get from their job is independent of how much it pays.”

Unfortunately, people are not good at picking a job that will make them happy. Gilbert found that people are ill equipped to imagine what their life would be like in a given job, and the advice they get from other people is bad, (typified by some version of “You should do what I did.”)

Gilbert recommends going into a career where people are happy. But don’t ask them if their career makes them happy, because most people will say yes; they have a vested interest in convincing themselves they are happy. Instead, try out a few different professions before you settle on one. For college students, Gilbert envisions this happening with part-time jobs and internships at the cost of “giving up a few keggers and a trip to Florida over spring break.” But even if you wait until you enter the workforce, it makes sense to switch from one entry-level job to another; no seniority and scant experience means you have little to lose. So it’s an ideal time to figure out what will make you happy: Use a series of jobs to observe different professions at close range to see if YOU think they make people happy.

It’s simple, proven advice, but few people take it because they think they are unique and their experience in a career will be different. Get over that. You are not unique, you are basically just like everyone else. Gilbert can, in the course of five minutes, rattle off ten reasons why people think they are unique but they are not. For example: We spend our lives finding differences between people to choose teachers, band mates and spouses, so our perception of peoples’ differences is exaggerated… And then Gilbert gets to grapes: “If you spend seven years studying the differences between grapes, no two will look the same to you, but really a grape is a grape.”

So your first step is to stop thinking you’re a special case. Take Gilbert’s advice and choose a career based on your assessment of other people in that career. You next step is to focus on social relationships, because in terms of happiness, job satisfaction is very important but social relationships are most important.

And by social relations, most researchers mean sex – with one, consistent partner. So consider giving your career aspirations a little less weight than you give your aspirations for sex. For those of you who like a tangible goal, David Blanchflower, professor of economics at Dartmouth College says, “Going from sex once a month to sex once a week creates a big jump in happiness. And then the diminishing returns begin to set in.” He adds, to the joy of all who are underemployed, “It’s true that money impacts which person you marry, but money doesn’t impact the amount of sex you have.”

Maybe all this research simply justifies the twentysomething tendency to hold a series of entry-level jobs and put off having children. Says Karo: “All we really want is to get paid and get laid.”