Think money can buy happiness, jack? Let me clue you in. Just like Dave Ramsey says, money can never buy happiness; money can buy fun. There's a big-time difference there. Fun lasts until you get bored (and everyone does). Happiness is something that is deep down in you and doesn't go away.

Don't ever make the mistake of thinking that megabucks means megabliss. You eat enough lobster, it tastes like soap, baby. Real happiness comes from the stuff that money can't buy, like spending time with your friends, going to see your kid play a tooth in the school play or helping someone who needs it.

If you want to earn more money and take your family out of poverty and provide better, more power to you. That's A-OK in my book. But earning the extra dough means hard work. And most people don't want more work; they want more cash so they can goof off. Don't be lazy; work hard and save. Plain and simple, simon.