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Money should make you happy but if it doesn't then you are probably spending it the wrong way. See the eight suggested principles to help anyone to be able to get happiness from their money.

• buy more experiences and fewer material goods
• use your money to benefit others rather than yourself
• buy many small pleasures rather than fewer large ones
• eschew extended warranties and other forms of overpriced insurance
• delay consumption
• consider how peripheral features of your purchases may affect your day-to-day life
• beware of comparison shopping
• pay close attention to the happiness of others

These suggestions are not mine but are from the scientific findings of EW Dunn et al. They are valid suggestions which even without reading have been practicing.  What are you take on these suggestions? Do you have more to add to what the researchers have discovered about this?

- https://scholar.harvard.edu/files/danielgilbert/files/if-money-doesnt-make-you-happy.nov-12-20101.pdf

Nice job ops, these are all good ways to spend money to gain satisfaction, and one of the interesting points mentioned is the one that says, to spend money to make others happy.

That is indeed true because true happiness comes from the happiness of others around you, so instead of concentrating on the self, it's better to invest that energy into seeing the fulfillment and happiness of others, But financial experts and economists will say otherwise that greed brings wrong increase anyways.

Among all of these, one thing that I truly like is that true happiness comes when you give to others and they are happy and appreciative of what you've done for them; without that, there will be no actual happiness, no matter how much money you've earned. Seeing people pleased for your sake will motivate you to do more.

Researchers and other people might have a contrary opinion to what I see as a way of true happiness when you spend your wealth on others to benefit from. People will definitely spend money the wrong way in order of pursuit for happiness while others will say, anything that will bring you happiness is worth spending on and you shouldn’t be regretful of earning the happiness that way.

In a normal circumstances money will bring happiness and joy in a life of man, so I believe that money will make you happy when you are having money subsequently in your source of making money, if you don't have money you might be annoyed at any point in time, so therefore i want to tell you that their is different between spending money wrongly and the point you are making emphasis on, spending money wrongly is when you are not utilizing your money by channelling your money at the appropriate time.

I guess there will be people that won't approve on this one including me. It's like we've been working hard to provide for ourselves and family. I see no problem helping others with our money but this isn't a forced action, this is just like a voluntary deed when you've got some spare.

But not an obligation to be done.

This is more like delayed gratification and I practice this. It's helpful to me to give me discipline on how to handle my money and I don't buy unnecessary things even if it's already giving me the chills that I want to.

I'd say if spending money doesn't make you happy maybe you're all spending it wrongly, even though all the advices above seems good, but I think important what makes one happy isn't necessarily coming from textbook advices like this. Just spend whatever you want, one might be happy enough when they can buy some good cars, not necessarily need good experience, everyone differ to each other.
someone else might also be happy by spending their money for buying luxury goods, it's all relative. but what matters most is that, an individual will be really happy when they got their basic needs settled. it's the most important thing, then the other thing comes after that.

I think it is spot on, specially in the part about buying experiences.
It is something that would definitely improve the happiness of anyone, specially if there is someone to share those experiences with.

Also, thinking before expending can help to use the money wisely, I have seen so many people that spend money in things what they do not even use or wear, which means they are wasting it, because it could have been used to buy more enjoyable stuff for them. Going impulsive is not the idea. Of course.

There is not much fun while being alone and having money.
Also, this is the first time I have read about the comparison expending term, I am not quite sure what it is. I have an idea, though.

Satisfaction does not equate to happiness. Whatever you spend money on may satiate your hunger or thirst into something, but IMO it isn't happiness if it doesn't make you feel contented. It will, at best, just make you hungry for the better, more advanced variants of what you bought in the long run which will be a never ending cycle. While there may be some form of happiness entailing your purchases, it will be short-lived, unfortunately, no matter how much you want to get that item that you really wanted to get before.

Definitely this are good principles. As a person i would like to see other’s happiness rather than mine. When I help people i feel so happy and satisfied. I like doing good things for others like giving food, money to whom are really in need etc. I devoted myself in helping my family because seeing them happy makes me happy. But I make sure that i will not overspending because over spending might leads to debts which i do not want to happen.

Lots of pros and cons, for example

Some experiences are not worth fighting for or risking. In this forum, many people tell how they bought their first investment experience, they had to "pay" a very high price because they were deceived. In this case, buying material goods is more feasible if they know about the ending.

In conclusion, everyone knows how they should be happy. If you did an opinion survey of the richest people, they probably wouldn't mention money at all in this context.

I do not spend money the wrong way. I used to budget and buy only the things that is beyond my budget. Money can really buy happiness but if you spend more than you earn just to be happy that is a wrong way to pursue happiness. Contentment is the only way to achieve proper happiness and also helping others the way you can without suffering excessive spending of money. The principles you had shared are just right and I agree with that. Always remember that you should spend only that is beyond your budget and do not overspending to avoid debts.

the more people have a lot of money, then the needs will also increase, and that's what usually happens in the environment around us, especially for those who want to be recognized for their social status by being predicated as rich people. this will not happen if our wealth increases, but our lifestyle will remain the same, simple as before, so that we can reduce the number of our necessities of life. with good management, our wealth will increase faster, and of course it is safe with minimal life dependents.

I used to be like that, I had a lot of money a long time ago but in my deep heart, I don't feel happy. I spend my money to night club, holidays on the beach, or hiking to the mountains, but, I felt empty. I don't know what happens until I got a suggestion from my grandfather if I am fewer of alms. I never think like that if I help someone, that makes me happy until I give alms to local beggars and orphanages. They were smiling and happy, I see them happy which make me happy also which I never felt before.

In today's world, you really can't say money can't buy happiness because you can't be happy when your stomach growls. It only means money helps you being happy.

But I think there is no wrong way of spending your money unless you didn't share what you bought with someone you love. Be it your significant other or family members. You will not regret the money you spend when you shared it with them.

It may have some truth, but this is actually a subjective thing. Although there must be some kind of a universal basis for happiness, when it comes to money, I guess it is not the be-all and end-all.

A month or two ago, I attended a gathering. At some point, the discussion came to money. And it was argued by my former boss that money can actually make you happy and that the old adage money can't buy you happiness is wrong. I nodded in agreement, but didn't care to elaborate. Deep within, I thought money could indeed make you happy but poor is the man who depends on it for his happiness. So it's not even about how you spend your money; happiness could be there without money.

People do all kinds of ways to get happiness, including trying to do good because they think by doing good the person who receives it will be happy so they can also be happy but it turns out that that is also wrong. Sometimes people buy luxury things because they think they will be happy because they have things that can make them more appreciated by others, but that is also sometimes wrong and doesn't work as expected, because I've done it and it turns out I'm still unhappy.

So happiness is very subjective, everyone will be happy in their own way. But for me, it is to enjoy every part of life that we are living, it will be better so that we can be grateful and happy even in difficulties, and money is not the main factor for happiness, it is only a support, and it should not be the main goal of humans.
Even though you may have been wrong in seeking happiness, it must be accepted as learning and you can be wiser in managing your finances and live better.

No really, not in my case.

Before the month begins, I make a budget of income and expenses. It is not something that I obsessively keep to the last penny but it is very useful. In the expenses are the fixed expenses, and from what is left over I make three parts: one to save/invest, one to donate and one to spend. As of today the biggest part of the surplus goes to savings and investment, and since I also donate regularly, the money that I use for spending I don't mind squandering from time to time. But it's not that I'm looking for happiness with it, if anything I'm looking for fun.

Most people I know they are in debt and basically got a nice House and brand new cars. Everything purchased as a loan. One guy even owed more on his old car and somehow got that debt transferred to a new car. So he is even more under water now.

Know a bunch of people who bought a house when rates were low and they did nothing but complain about the mortgage, saying it’s too high. Now when they refinance they will be in for a shock.

Debt is the American dream. Everyone is in debt.

You have a point there. How we can earn and spend is up to us, as long as we feel satisfied and happy. We don't have to follow the advice or what the textbook says, we can't force everyone to do the same thing when everyone is different.

Recently I have bought some necessary products for my work and needs, many people say that I am quite wasteful when buying such expensive things. But I don't care because it's my money, and I work hard to earn a lot of money simply to have a better life. I feel happy owning those things, I don't see anything wrong here. They are not me, how will they know what I need and think?

From the pdf op linked, learn from expenditures of others on thing you want to purchase. Suppose, you want to watch a movie, read other people's reviews first. By doing thus, you'd save time and money. Although, I'd somewhat disagree with this as not all people's taste/expereinece are same but it'd still give brief idea whether you want to move forward or not.

Money cannot buy happiness but it can buy us comfort and luxurious things which can give us happiness temporarily. I think happiness that comes from acquiring things is not sustainable and can be lost when you lose those things, in my opinion true long lasting happiness comes from within.
I agree with most of the list, time with family and friends is a better way to spend money, it’s a wonderful experience to have. I rather spend my money on people and not things.

I like most of the suggested principles because it points to the fact that using money the right way is what brings happiness. Some rich people derive pleasure in oppressing the poor. They want to show off expensive houses, cars, and other expensive items because they want the less privileged to respect or even worship them. But your suggestions portrayed that real happiness and a good life are triggered by ensuring that people around you are also assisted. I know we can't help everybody but let's ensure our wealth touches the life of the less privileged in our society positively. We don't have to waste money on unnecessary pleasure when our neighbors or community members are suffering from lack and want.

The idea of buying expensive and quality things is also good. Instead of wasting money on less durable items that will need replacements in a few months, it will be more economical to buy a durable but expensive product. This will help you save money that can be used for other meaningful needs.

that's all true but we have different happiness, sometimes there are people who are happy in their own way even though compared to other people it won't match.
I personally appreciate myself in my own way to make me happy with the money I have, after having a hard time making money, I think there's nothing wrong with spending a little money by fulfilling all my desires. I want to stay within reasonable limits and keep thinking about yourself in the future.

Debt has become a habit and I often encounter this kind of thing around me, who are in their office, they buy a house with a loan and have installments of up to 15 more years, while for cars they have to pay installments for at least 5 years, this has become their lifestyle, but I don't know how much income they get, but in this way it looks like they are happy, but I'm sure at the end of the month they will be a little stressed with the installments.

With a high lifestyle, spending a lot of money in the wrong way is my own assumption, while for me of course thinking about something else and more important is an investment for the future for children and family.

Not only in America, even in my own country, debt has become a habit for everyone.

All of these suggestions have proven to be good if applied in everyday life. Because applying these principles will definitely bear fruit with a sense of happiness. But here I have another opinion about how to use money for happiness.
In my personal opinion, the name of happiness is very relative for everyone. Because everyone must have a different opinion about happiness and must have different financial levels. It all depends on the situation and conditions of each.
Happiness that can be felt through having money has many ways, especially for people who are rich. There's a lot that can be done, simple examples such as going on vacation to various places, eating at good restaurants, and being able to buy the things you want.

But all of that only applies to people who are rich, because people who have a middle to lower financial level will definitely have a different way to enjoy money. And all of that in essence is to pursue a happiness.

Of course I've also spent money on negative things just wanting to be happy, as usual sometimes I also have to channel my lust so I'm looking for women, of course it's not difficult because most of them are also open on social media, but happiness in the wrong way only makes regret for wasting money hard to find.

For these 4 points, maybe I understand enough and their attitudes are common among many people. While others are not easy to understand but implemented in an unplanned manner.

All the points above refer to positive results, I completely agree regardless of how we apply them to the people around us and to fulfill our own happiness. Because actually what I hope for is when I can make other people happy, even if not in a fancy way, but the aura will make us feel more grateful. We know money is not everything but with money we can buy happiness in our own way. As long as the goal is to spread kindness to see others happy with the results of our hard work. Then for points

Spending money to make others happy is a good thing when it happens for a good cause but it doesn't happen every day or with everyone so as an individual we will try to make ourselves happy then only the remaining thing like charity and others.

Not everyone is the same in this world as well so their happiness varies from another individual for example who is passionate about adventures will be happy when they spend money on their adventure journey whereas for a sport passionate they will be happy when they spend anything which will make them better on that sport.

OP: First, find out what danger a.pdf file can carry for users. I would recommend opening such files less and less often, especially posting links to them on the forum.
On the topic, I think that no one has the right to decide who and how to spend their own money. If I enjoy buying cars more than charity or traveling, then who's to say I'm wrong? We're freemen, aren't we? So why should people listen to someone to follow the crowd effect? Each person is an individual; someone likes the little things, and someone likes one-time large purchases. Who here will judge what is true and what is not? Who are the judges?
The phrase that touched me the most was that I should notice the happiness of others. Why should I? I'm not interested. Be individual in everything and live your life.

Even if you find happiness from within, you won't be able to keep it for long without money. Are you married yet? My wife and I don't come together for money, but when life is at a standstill, without money, there are hundreds of things to worry about. And if you don't have money when life is at a standstill then your happiness will be shattered from there. The power of money is undeniable, it can't buy happiness, it can't buy health, but it can maintain those things for you.

Very right. Money is good because to a far extent it can help you achieve many things that will bring you happiness including good health. If you have bad health, you can help you solve some bills to get you better and moreover if you have some health defects , that doesn't make you happy, you can go under the knives to correct such only if you have money. Yes the things money can do are numerous and so lack of it put many factors in discordant.

Spend your money on people who you know are less privileged than you are and need help. You will get more satisfaction and happiness knowing you are doing something good than lavish spending.

Spend money to strengthen relationships with people.

Yes, but not at the cost of your own happiness. Your happiness should be priority, and if you notice that your close attention to someone's happiness is causing you pain, losses and regrets, you should stop. If you also notice that the person is not really concerned for their own happiness, you should also stop stressing.

Personally I always have a feeling of satisfaction in terms of food at times I might necessarily get hungry and always feeling happy whenever I have money for personal use because I would have less worry on any thing that involves spending of the money.
For the first list I use my extra money for building of a personal house not necessarily spending expensively on the project rather gradual construction as  more flow into my account.
While I tried as much as I can to assist others in terms of rendering financial help to those who really needed the assistance by giving small amount of my money.
As far as I'm concerned I don't really bothered myself about the above list because I was able to fulfill the requirements of the other list above this oned thus the above list seems not too relevant to my ideology.

Happiness has no rule book and what stands as happiness to you may to be the same for me. And one thing I think isn’t right to do is teach people how they are to spend their money.

1. You actually can’t buy experience your rather you can go through experience, and this should not stop you from getting the material things you need.

2. I won’t work my ass off only to then use my own money to others and not myself, this would actually be saying the impossible. I believe it’s fine to make your self happy and then be generous enough to impact in the lives of others financially.

In conclusion I don’t see how the list you made would make someone happy rather the person would live a boring life and may never accomplish personal self esteem. You can stop your life just for others.

I would like to agree with your opinion that experience are will not be worth for fighting against risk But this applies only when one does not learn anything from his experience, i.e. if he has made a mistake in his experience then he has to learn from it. In this case, experience is of no use to those who cannot learn from those mistakes. Most successful people have value in their experiences, because they have learned from their experiences and applied them to their future goals.

I think what you say is true and the fact is that we are individuals who are free to control everything we want. Giving according to our interests is up to anyone or even not at all and prefer to spend it to support self-satisfaction ambitions. But what the OP quoted is also true when viewed from socialist life helping one another, alleviating what is suffered, and in the end there is a point where we will also need the reciprocity of other people's services. So in this case the finances used cannot be regulated by theoretical matters from books. Depending on the suitability of a person with their own way of life.

The third, fifth and sixth recommendations are good, maybe even the seventh depending on if they actually meant that people should not make a purchase based on what their neighbor bought, however there are quite a few I do not agree with, for example the very first one, while going on an expensive vacation may seem to be great, once you do so you have nothing to show for all that money spent, if instead you bought something like a cheap car then not only it is something you can use almost everyday, but in the case you get into financial trouble you could always sell it and get some of your money back.

Op I strongly disagree with you in some of your suggestions.
I don't think this your statement is correct. There are sometimes one spend money in the right direction and go home find himself angry because the money is not enough for in to buy another things. He is sad because the cash was not enough and not because he spend it in a wrong way.

Op I have not heard this your phrase in the verbal phrase and in the idiomatic expression. One can only buy materials to acquire experience and not the opposite.

I smile!! Can you do what you posted? The Holy Bible says,  do to other what others will do to you that you not be angry.


Remember you can't kill yourself with hunger and you have to eat to survive. So if one delay the consumption rate then the person will definitely have issues in the society.

Happiness is not an all time thing, you can't just go around feeling happy all the time, you can't just be 24/7 happy non-stop, that may mean that you are having some mental issues. However, feeling less unhappy could be a good starting point, because that is also something you shouldn't feel all the time. If you are constantly unhappy then something is wrong and you shouldn't feel that, it just doesn't make sense. I personally feel like the best thing to do in this case would be just focusing on how you could feel upset only here and there when things you can't control happens, but you do not feel it commonly. I do not feel unhappy commonly, I try to avoid those things, there is elections in my nation this week so there are a lot of ups and downs, but in normal days I try to just focus on the good and try not to feel bad, if you can avoid it, then it should be alright.

You know literally, having money can give people satisfaction, but for others having it is just a normal thing that they know is part
of life that people have.

      Having money can have good and bad effects on people if it is used in the wrong way. Of course, if done in a good way, it will really be
a way for our neighbors to be happy if we use it to help or reach others because we are giving them help.

Happiness is a temporary phenomenon, and for each person happiness is a purely personal moment. That is, each person has his own criteria of happiness. I think that life doesn't have to be completely joyless, and you can spend a little money to feel a little happier.

Money DOES NOT buy happiness.  Many very rich people in this world are completely miserable.  Money can certainly help buy happiness, and obviously being financially stable helps make you a happier person by not being in need of next months rent check in a big way each month...but it doesn't guarantee happiness by any means.

I agree with some of these main points, but not all. 

If you are enjoying where you are spendong or using your money, then that's just fine. What is not is to stress out because you used all of your money into something which will generate profit but will not give you satisfaction or happiness. Things should be balanced; allot money for investment purposes and also, allot for personal entertainment. You'll see; not all people are the same. Some would be fine just enjoying things that much 'coz money is their motivation. While others are prioritizing enjoyment over investments. Eitherway is valid as long as you are meeting your personal goal which is to either earn profit, enjoy, or both.

You can think of many ways to earn profit from investment but sometimes you will have difficulties with finding the source of your happiness. Alike with the counterpart with struggling to dinf that investment and ssacrificing happiness and contentment.

Some people find it difficult to spend their money on others because they are enveloped in the "me" cloud. Some regard it as unfair to extend a hand of financial help to others since everyone has two hands to work, so your number two point, op may sound like a foreign language to them.
 Money can never buy happiness, rather to some people, it makes them greedy and unsatisfied hence the need to look for more. True happiness can come from contentment or using what you've gotten to benefit others.

I got the point about being a philanthropist but, the purpose of having all those funds is because you worked for it and giving away things doenst mean you should depressive yourself. Your entitled to your reward for hard work and I don't see reasons why you should help and not help yourself with the things you need. That's a first responsibility to yourself and every other thing is a secondary concern.

Spending on others becomes a lot easier that way. When you ain't fighting with your thoughts over the things your not getting for yourself and you find it very important to your wellbeing or living your true nature.

I agree with some, but there are some parts where I disagree, or it's a subjective one.
I guess I will not disagree with this one. Though there's nothing wrong with buying material goods for your own happiness, spending your money to gain more experience, and knowledge is for me the best place where you can spend your money with. A happy person is willing to spend money just to fulfill their happiness.

This is a very subjective thing, and for sure not all of us will agree on it.

How can you help others if you can't help yourself? At least before helping others, help yourself first. I know that helping others is a very fulfilling thing because I have done it as well in the past, and that's the best feeling that I ever had, but at least before helping others, make sure that you will not be having a hard time after that. There's nothing wrong on helping others, but if that's the reason that you will be poor, or can't afford to buy something in the future then I guess don't do it first.

The more the merrier I guess. :D

Different people have different levels of happiness, and we can't force a person to be happy if they don't want to. Why pay close attention to their happiness? I mean they can be happy if they wanted to right? Even a poor person can be happy with simple things. Even a homeless person can be happy with us not paying a close attention to them.

I liked the suggestions, and it's cool that they are actually backed by scientific findings. Buying experiences is certainly something many forget about and something that I agree increases the quality of life. If one can help others, it's also a nice way to spend money, both for your own sake and for the sake of others. I'm not sure about delaying consumption, though, as sometimes it can make a person angrier and the pleasure may no longer be relevant at some point. A good example that comes to mind is from the film Sideways, where the main character was waiting for a good occasion to drink great wine, but then the circumstances changed and there was no gratification at the time he drank it.

I agree with some of the statements you posted, but not all. Personally, I am happy to spend my money on things that have a positive impact on myself and my family, and make us happy. As for the points I don't agree with, or only slightly agree with:

If you can't use your money to benefit yourself first, then you won't be able to benefit others. Similarly if you use your money only for others, what about your own happiness? It's important to strike a balance between using your money for your own benefit and for others' benefit.

I'd rather not scrutinize my purchases too much. If I decide to spend money on something then it surely has some value in my life even if it doesn't I won't dwell on it too much and move on. I don't want to ruin my day by overthinking about it.

Well the list in the OP's post actually true, I found myself happy as I give my family some money/gifts it's so overwhelming to see their eyes to be happy with the things they received I can't even explain it. I also find myself happy when I'm spending some accessories for myself like in the components of the computer whenever I upgrade it. Spending money in a good way like thinking realistic is my method of being happy, we are all working and investing for us to have an extra money for us to spend. But I much prefer to invest as I could spend more in the future with the investment. Using your money in such a useful thing is the best decision that you could do with your funds. Thinking of your good decisions with your money would make you happy.

I envy that you made post out of your own experience and you must be liking it. However, this is not the case for me. For example I am trying to save up more money in the materialistic things which could include investing into something which is valuable asset for example gold and silver. Moreover, I do have virtual investment which includes our beloved Bitcoin and few other trusted coins. It's just like what other normal people would do to save up some money for the brighter future.

This is investing and more or less spending comes when I am profiting from these type of investment. I believe it doesn't matter at that time how much I am spending and where I am spending. I am still keeping my grounds as it is and thus my pursuit of happiness is configured to my earnings, profits and savings all the time.  :D

For me happiness lies in ourselves, have you ever seen people have a lot of money but they are miserable and have you seen people with mediocre money but live happily, I've seen two lives that are real.

Everything you say is the percentage theory that practices it very little, no matter how much money someone has, if they don't have principles, goals and how to use money it's the same as lying, life has a final goal, as well as shopping also has a goal, there is nothing wrong in my opinion someone has money to spend this and that for their pleasure, unless: the money is spent on illegal drugs and other things that are useless or self-destructive.

I don't agree, money does buy you happiness, those people who say they don't need money for living a happy life are simply lying to themselves. If one learns to live their life with the minimum resources that they have and kills their wishes and desires within themselves only because they don't have money, that's a different thing, and I wouldn't call you happy if you do that.

In a world like today where inflation is touching the sky, things are out of reach of a lot of people, you cannot say that you don't need money to be happy since one cannot stay happy if one can't fulfil the basic needs of their family.

True. I understand that there are people that are willing to help others like their family members financially. Here in the Philippines, there are those culture where the parents are making their children a retirement fund, especially the breadwinners, once they started working regardless if it is a corporate work or not. You just gotta suck it or else you're seen as a failure.
It's kind of a toxic culture here, but good thing not everyone is like that. No wonder there are many poor families at this country.

People forgetting to help themselves just because of the "toxic culture and obligation" is just way too much.

Not really literally, there are still rich people that are living in hell and wouldn't not even get to enjoy their lives due to them being busy making money. What people meant that money can buy happiness is that it gives people a peace of mind since they can afford to pay bills and never have to loan or be in debt just to pay what they needed to pay that supports their daily lives/needs.

You can't bring the money to the grave anyway like they said.

Money is not everything but all need money. But sometimes there are many rich people who cannot enjoy their own wealth, are unhappy with their own possessions. I agree with you, everything comes back to each other. Grateful for what we have, no matter how much money you have, if you can't use it properly, that's a lie. In fact, I see not a few people get hurt because of money problems. Some of my friends are rich and they always go to the casino to gamble spending their money with the aim of seeking pleasure, their way is not wrong but not right. Life will continue to spin, it will not always be on top, it would be better for us to use it for something more positive and can contribute to life.

everyone has different desires, I read the text above as a basis for humanizing humane norms. I've experienced things like you said, buy what we want but it ends up being greedy and losing control of financial management that won't come back. buying a car or whatever to be on par with a neighbor who has everything for me it's not a guarantee of long fun it's just temporary fun. but if we have more money and can help others it is like a very long time happiness. the wheel always rotates, the position is not always at the top, there will come a time at the bottom. and it will be reborn from the person we once helped

When it comes to lists then its surely that beneficial or something that it is really worth to do so, but we know that not all people would really be sharing up with the
same mindset and rather going into their principle which would really vary as we know.Here are the things which might contradicts on whats been
listed;

1. People are materialistic, experience wont really be that much in concern
2. People are selfish, they would always prioritize theirselves.
3. Bigger is always been better.
4. Does depend because not all would really be that compliant nor mindful about insurance
5. Lots of factors would be depending
6. Wants would be more than on needs or something beneficial
7. Jealousy and curiosity would derail you
8. You would be thinking of your happiness than minding on others.

Totally opposite eh? You do could really expect because there are people who are really like this type.

I loved every point made or suggested in the OP's writing. But in reality it is very difficult to carry out these suggestions. But I have succeeded in doing some and indeed I am familiar with some of the points from the suggestion.

Even when I decide where I will visit on vacation, I will first think about what can make me have fun but also gain experience and insight from the places I visit. I saw my friend who went on vacation abroad while looking for business opportunities that he could learn from when he was on vacation. In essence, everything we do must contain benefits for both things, namely for our enjoyment and for our financial development. we should not only intend to waste money when on vacation or sightseeing. but find both in one step.

I really appreciate what the OP mentioned or suggested in the writing, he mentioned a lot almost eight or nine of them, but I love the number two and the last one most, use your money to benefit others rather than yourself and pay close attention to the happiness of others, Of course, if done in a good way, it will really be
a way for our neighbors to be happy if we use it to help or reach others because we are giving them help. When we pay close attention to our neighbors and friends are good, spending money with our children our friends, and  others are good and we will live happiest.

Talking literally then money is really a crucial part because you cant really be able to do the following if you dont have money.

- You cant travel if you dont have money
- You cant buy things you do want if you dont have money
- You cant have a better life if you dont have money
- You cant able to do something in emergencies if you dont have money
- You cant buy neither wants or needs if you dont have money.

This is why its really not that right on being that conclusive when it comes to money cant buy happiness because it isnt really true.
It is really just that there are things which money cant buy but in most cases, we do really need it.

Money is not everything but it can be very vital to make us happy but never in the sense of contentment. After all, humans have no real satisfaction and real contentment in life. But you know what, it’s a different feeling when you start sharing your money even a little amount not just to your loved ones but even to those unfortunate people that you see around living their lives the hardest way. It won’t matter anymore if you spend your money the wrong way, as long as you care for others and share your blessings, your money will never go into waste.

Happiness will always depend on how you appreciate things regardless of its size or what, money is just an instrument but it will matter on how you will spend it. Remember that Money can be stressful, so know how to spend it wisely and live within your means.

There’s a lot of people who are not happy even if they have the money, I guess you need to seek professional advice and know how to live peacefully and happy. Spending money should not be an issue, appreciate small things matter as well.

actually money can give you happiness but according to your wants and needs depending on how you're going to spend it cause as of now people really need money in order to survive and provide our daily expenses. i agree to your opinion that money can buy anything aside from luxurious things that can give you a temporary happiness but how about spending it with your family and friends which it will give you more happiness than spending it alone.

Happiness is not measured by how much money or what we have in our homes. But happiness is measured by how much we can be grateful for what we already have and so we can think that we are lucky people who can have what we have now.

And if you've bought the wrong things just to pursue happiness, you should immediately stop and think about how you can change it so you don't go wrong. It depends on how you respond to that happiness because not many people can get it.

More perfect and complete happiness is indeed born through family and friends, because humans are social creatures who always need other people in most ways so that their happiness will not feel perfect if someone only celebrates it alone. I also agree that money can give happiness and can also solve complicated problems into light ones, besides being able to use them to meet each other's personal needs.

But for this kind of thing, I've also seen someone who has a lot of money but he can't feel happiness after buying more things he doesn't need, meaning someone who can't use money on his own needs pokies won't find happiness like he wants even though he has a lot of money.

very interesting advice of course, because we often spend money not for interests that we really have to fulfill, and spend on things that we shouldn't buy, because we rarely use these items, don't even use them and only store them as display devices, we do have a way it's different in spending money to enjoy happiness but for me there are some things that we really don't do even though there is a little happiness but waste should also be a consideration, so I think all of these suggestions are very suitable for managing our finances and can be useful in our personal lives and also others.

I don't have a bad spending habit. I used to set a budget and only purchase items that fell outside of it. Money can truly buy happiness, but spending more than you make simply to be happy is the wrong way to live. The only way to truly be happy and to be able to serve people in your capacity without incurring huge financial burdens is to be content. I concur that the principles you gave are excellent. Never forget that in order to prevent debt, you should only spend what is allowed by your budget.

You are right and i am agree with you there are lots of people who spend some part of their money to help the needy and this is one of the most happiest moment of the life because you have everything so when others need it you should not avoid the happiness of others.

Sometimes people get happy by making others people happy and your problem become disappear automatically by helping others. Helping others is good idea but remembering them about your good deeds always is not a good idea because if you talk about your good deeds in front of needy they will become disappointed so always try to forget after giving something to those individuals who need them.

But there are really people that even they have set a budget limit on that instance they still can go over it. This really needs discipline on one self and you should have someone lets say you are already married that can control your from over spending because if you cant help your self then have your wife or husband help you but for sure if that is the time comes you are already mature enough on this which means you know the consequence when you go over the budget.

I used to spend the money I made from my first job on wants and even unnecessary goods as long as they were in trend, but as time went on, I began to understand the value of effective financial management.
For the success of my scheduled events, I started budgeting and saving. I was in charge of taking in charge of our bills and other expenses. For us to ensure that our money is being handled properly and that our efforts while working are not wasted, responsible spending should become a habit.
Being happy doesn't need us to spend money on things that will make us happy, but a comfortable existence is something we should strive for by working hard and preparing for financial independence as we get older.

Just like I previously mentioned in this thread, it literally can't buy but it can give you the mental cushion of being able to pay bills and not go broke and homeless. Having to buy what you want is one form of happiness that's why they called it "wants". It's to each of their own anyway so there is no really right or wrong way to live.

Regarding the debt stuff, some people are just willing to loan so that they can afford to have a good Credit Score and be able to apply for Mortgage. Don't quote me on it though as I never intended to loan. Just like what they said, if you can't buy it twice, you cannot afford it.

I can recall some stories of people in the internet just hiring escort to keep them pleasured and that's probably really a lonely life if I can see it.

I will like to question point two, using my money to benefit others rather than myself, if this is meant at face value then I oppose that but for me, I will rather have it this way, that others should benefit from my money positively.

Choosing other people's happiness should be like achieving something, there is a saying that goes, "We rise by lifting others," and while doing your part to help others is not always simple, it brings you fulfillment. Since many people have done good deeds for me, I feel obligated to return the favor at least in an attempt to make the world a better place. The most painful aspect of this is that many people face hardships.

I believe that if we can manage how we spend money, it would truly help us very well and lower cost for us. One thing about we is that many of us don't have a scale of preference and waste money on things that are of no benefit to us. standard of living is seriously increasing to much bills to keep up with.

There are really some imbalances in life or something that talks about reality on which there are rich people who are really that lonely despite on having that richness.I do agree that human beings are social
creatures but there are ones who are introvert type which they dont really care should socialization and would really just prefer on doing something or be alone as long he has the money then he could really be able to do things that he do likes or wants.In speaking about happiness then it would really be varying into each person because not all would really be that having on the same things in mind on where
there are ones who are really that different.

Cant really be denied that money does play a huge role in our lives specially that people or humans are really that on that materialistic side on which things that could be bought or they do wish
is something that could bring out that happiness which i couldnt really blame on with. We do have our own likings and wishes in our minds which it is something that get attached with money.
It is really just that there are people who do really spend money on the wrong way but well its their money after all and its up to them on how they would gonna use it.
Its none of our business actually.

Money is now very essential for someone’s life happiness, without money your life may not be as happy compared to those who are living with financial stability. However, it does not mean that once you’re unhappy, you fail to utilize your money well. There are some instances that money can’t buy happiness, even respect is not earn through money but it all started with self-respect and respect to other people before you can expect to be respected too.

Yes, I quite agree with many of your points. I have always heard that some people who are very rich have the money they need to do whatever they want with it, but they can't buy happiness with their money. Although I have not been there, I just imagined how someone who has money can't find happiness unless the money is not made in a legitimate way. Also, some people end up accumulating a lot of money and wealth, but along the way they become so sick, so sick to an extent that their health issues are always a threat to them every day that passes by.

Well, I can say that some people become so greedy in pursuit of money that they do some ugly things, and when they begin to pay back what they have done in the past, they are now short of happiness. Apart from that, I think that anyone who makes their success in a cool way will enjoy their riches and also find happiness.

I think this is most important point that helped to become much happier over the years. In the past I used to always focus one some big purchases, like a gaming PC when I was a kid or a new car after I grew older. It took a long time of saving money to reach that goal and the happiness I got in the end from the one big thing wasn't what I had hoped for. If you spend so much time thinking about  one particular thing the expectations become so high, that once you actually get it won't live up to it. That it's why it so much better to treat ourselves regularly for something small and not expensive, rather than a few large items.  For me scratch tickets is one item that can help to change my mood whenever I feel down. They are only 2 Euros and I usually buy 2 of them, and even when I only make my money back from them which happens a lot, I already feel better.

I am very rarely happy with new things, no matter if they are expensive or not, for me the most important thing in this regard is, that they always to be comfortable.

I feel happy when I spend time with my family, it can be just a walk in the park, or a trip to a cafe, maybe a trip to nature. It doesn't cost a lot of money, but it always takes my free time, so I would like to be financially independent so that I can manage my time as I please. It seems to me that shopping can be enjoyable if we buy something related to our hobby, but this also requires free time.

The first rule about spending money, there's no rule!

I don't blame you if you use your a month salary just to buy a figure, branded cloth, skateboard, have a party, etc. As long as you're not hurt yourself or somebody, it's completely fine and you're the one who control it. I know saving is important and prepare for emergency funds is needed because no one know what will happen in the future, but it's his choice, right?

Well in essence everyone is free to spend the money they have. Because there are no specific rules about it. a person is free to choose to be a wasteful person or to be a good frugality person. But for someone who wants to increase in financial strength then of course he has to start making rules for himself. Like being more frugal and refraining from having too much fun. in order to have stronger financial strength in the future. But again there is no compulsion to do so.

Money is not always in one's possession. A rich person may not be rich in the next 10 years. His wealth may be lost due to various reasons such as loss in business or natural calamities or accidents. So a person should not waste money unnecessarily. You can help people if you want. Or save for your future. Gaining anything by spending excess money is a one kind of waste of assets. Those who spend money in different ways for happiness, sometimes lack of money can take away that happiness. If we can be obtained by using little money then that would be real happiness.

It was the first shock I had when I first learned that in America, everyone is in debt. But they it seems like no big deal. They do not go about suffering from high blood pressure because of the debt. The country has already be structured in a way that you can be in debt and life your life to the fullest unlike other nations where the law enforcement agencies has to be invited to recover debts.

From the OP, if money should buy experiences which leads to happiness what about those remote tribes living in the jungle without money. How do they define happiness? What makes them happy? They almost not clothes, shoes, internet, electricity, or money. I often think about this. I came to the conclusion that more doesn't make us happy but non-material things like family, good food, quality relationships and overall good health.

When we have money we don't understand but when we don't have money we understand the value of money. But when we have more money than we need, we spend that money on various things. For example,
there are many tasks that we should not do, but if we have extra money, we do them first. The biggest waste of money is over-purchasing or over-prioritizing small needs. 
You have brought up some good points here we need to avoid buying clothes at overpriced prices. It is not right to spend our money without extra necessity. Because this money is not permanent, you may have a lot of money today but there will be a time when you will regret the things you have done in the past because of the lack of this money. So we should be careful in advance.

The tribes still live in herds, they are only a few in this world. Don't compare them to us, instead, tell me how you feel about your own experience with life now. Do you feel happy when you have no money? Do you think that when you have no money, you will get a wife and be respected and admired by everyone? How can you get good food if you don't have money to buy it?...Everything in this world is measured in money, without money, you will have nothing. Reality is quite harsh, but we need to accept and adapt.

To put it more bluntly, I would say that money buys it all. When we have a lot of money, we can buy everything, including happiness and health. It can be said that money is considered the most precious thing in this world, it is more than the love between husband and wife, more than brotherhood. Because of money, we have seen many cases of brothers killing each other to fight for property. It's really a sad thing that's happening to our world. That's the truth, and we can only close our eyes, not change it.

Money can make you happy up to a specific point; it's not supposed to be our main goal in life, but a tool to achieve a more comfortable lifestyle. Certainly, someone who's struggling financially will face way more difficulties and worse living conditions compared to someone who's well-off. Having a balance between how much you spend and how much you earn is vital to achieving financial stability. Personally, I've stopped bothering about material things; they don't bring happiness, but a small temporary joy that doesn't last more than a few days, or weeks in the best-case scenario, such as a car purchase. I currently have enough money to purchase a better and newer can than the one I currently own, but I find it pointless. I'd rather keep my savings and use some of them for traveling. I'd rather create experiences than acquire lifeless items.

I was torn in between today. I need new rams and one external hard drive, I already have a lot of debt, but there is inflation as well, so I wasn't really sure if I should get it or not. If I got it today, then I would be even more in debt, and would be hard to pay it back, but at the same time I would have to pay more for them in the future. These type of things matters when we are talking about happiness and other stuff. These are things I use in my work, I need that ram and I need the storage for storing my work as well. Its not a rushed thing, I don't need it NOW, but I will need it later on and I just considered if it would be too expensive due to inflation. In any case, spending money is difficult, but you need to do it sometimes in order to further along your life, that way you can be in debt, but at least have what you need to be happy.

Good financial management is always expected when we have money.
Whoever they are needs to maintain cash flow income and expenditure so that it is not disturbed between needs, pleasure, health and investment. Everything has to be pretty even and I don't think we should get any of those points higher. Money may never guarantee happiness when users do not have the right way of managing it.

Your last point is quite interesting. I agree that money can buy everything that makes sense, but money can never guarantee reality the same as expected. But the best thing is, life costs money but don't waste life only for money.

Hmm ... I think simply satisfying short-term desires or acquiring material possessions can provide a temporary sense of satisfaction, but it doesn't necessarily guarantee long-term happiness or satisfaction. So finding joy and happiness in the way we spend money can be an individual journey. It's about understanding our own needs, values, and the relationships we cherish and using our financial resources in a way that aligns with those factors.

This is a point that is not brought forward often and yet it is important, while buying some stuff could bring us some small joy, if you do it by relying on debt then this is going to bring you a lot of worries, especially if the debt keeps growing and you cannot pay it, so whatever joy we may derive from such purchases is nowhere near enough to offset the unhappiness that we get due to the amount of money we owe to the banks and other lending institutions.

True. Money does not totally mean happiness as there are some who have money but still feel unhappy. And even if you spend your money wrongly, that does not mean why you live your life not happy at all. People spend money wrongly because they don’t have the solid plan to follow on what, where and when to spend it. And people never know how to utilize their money well not because their unhappy, but because they lack the focus and goal on what and how to spend it according to its purpose.

Good financial management is necessary to ensure our financial balance in everyday life. Of course we also have to have a plan for our finances to manage money well, especially in terms of expenses, investments and savings.

And indeed it is humane if we are tempted to spend money on unimportant wants and forget to allocate money for more important needs, especially savings for urgent things. We must hone ourselves from good money management habits, such as budgeting, saving, and investing. It is true that happiness is not measured by money, but if we manage it well, of course there will be happiness.

If it's necessary, then do it properly and correctly so you can have a plan when you want to use money at a certain place in your own life. Because balance in spending money in life really has to exist so that you are far from conditions that can make you make it difficult for yourself in life.

Every human being has the property to be tempted by beautiful luxury goods, even though in general these items are not what he needs in his life. So I think it's also a very normal thing if it happens to everyone, but making financial allocations in life is very important. Because usually successful people start from their intelligence in keeping spending money and allocating it to things that are important and not overusing it on things that are less important to them.

"Delay consumption, use our money to benefit other rather then yourself" aforementioned points only looks perfect example in textbook not in real life. We can get best example from flight put on your oxygen mask before helping your neighbor. Help yourself first. Everyone have different choices and there is a chance to be happy in different way not not every one get happiness from donation only. I just want to say spend wherever you want, If you will be enough happy while doing shopping then go ahead you don't have to follow textbook's rule only.

It depends on how much the individual can afford. One can as well gather material goods as much as the gather  experiences, it is about knowing ones limit and what extent our earnings can be adjustable to. When it has to do with spending and investing we shouldn't deny ourselves things that will help us enjoy life and make it more easier for us when we can comfortably afford them because at the end we will all die and leave the investment we are glamouring for behind.

I started doing more expensive than material things and my life has became a little more happier so they aren't lying with the first point. Instead of buying something for yourself during your birthday, take a vacation to go see places around the world and see the difference it adds to your life, whenever you remember those experience you'll smile.

If you want to become more happier in life, make others happy and you'll be happy too. We're in this world to make others happy not only ourselves. Don't be selfish, concentrating on yourself can be very toxic. Always make people's day and your day will be filled with happiness.

If helping people is like spending money the wrong way then I am a big victim, I love helping people way more than asking them for help, it's not showing off or bossing around, it's what makes me happy, and that's why I will keep doing this.

When you make some life changing money do not forget that some people grown up with you, some people within your household are suffering from that same thing you beat when striving, there is nothing bad if you can give a helping hand.

You can't go through a lot in life and find it difficult to spend on yourself, always remember yourself after every success, when you are lifting others up make sure you are taking care of yourself too, life is too short and those who you helping might not do the same if you are in their shoes, but we help to make us feel better with ourselves and be happy.

Money can't always buy happiness. if money is used to buy happiness it is said that the money will surely run out because we will never be satisfied with the happiness that comes. if you want to pursue happiness then don't just focus on money, but there must be fun things we do in life that make us happy.

With the reality of most people are lack or don't have any money, that's correct to say money can always buy happiness isn't? :D

We're live in modern era, all people already know how money can buy happiness, how money can control everything and how money can help you in anything. I don't think if you're lack of money, your wife will be happy because a women tend to follow or have anything that her friend have.

No offense, and I'll be blunt, the people who say money can't buy happiness are people who don't have money and want to be happy. I was in that situation when I was a worker, didn't have much money in my pocket, and always yearned for love without money. But that didn't happen, not a single girl dated me knowing I was a worker. So far, I'm married and if I don't have money, my children are not as complete as their friends, and my wife can't be prettier than other women, so I can't be happy with those things. This may sound very harsh, but I think we should accept it in today's society.

But there are many things we can do with the money we have to make other people happy, namely by helping people who are in trouble and really need our help. Giving free food and drinks to people who live on the streets, or giving help to our brothers and sisters who need money. This logically makes other people happy. but in reality it also brings happiness to us as givers.

the point is that there are many things that money can do that we use as a tool to achieve happiness. money is not a source of happiness but only a means to achieve it. The simpler way is to always be grateful for every achievement we have got. whether it's big things or small things.

I have spent money several times to the Wrong Way in Pursuit of Happiness, of course I will not tell you about this because it is inappropriate, indeed life makes us often tired, we have done all our best efforts and when we fail, of course it will make us drop and depressed so spending money the wrong way.

I don't think people are chasing happiness in the wrong way. Surely they will think twice about spending money in pursuing happiness in this life in different ways, but many of those who have abundant wealth use it in good ways, such as donating to those in need. As a good thing in finding a form of happiness within yourself.

But everyone of course has different principles in pursuing happiness and there are times when they waste money on gambling to get happiness as we have seen in many sub gambling but this behavior is quite a bad thing in my opinion.

But I agree with the points you shared where good things can be done in finding happiness in this life by helping one another which can lead to something positive for ourselves in social life.

Everyone's definition of happiness is different some are happy with less material things like in a good company,  family ,friends but some are happy with money around them like they want to party , use money on different habits , vacations and stuff . So this is totally up to yyou how you think about this life if your life is all about money than definitely you are in a wrong direction.

I agree with you that what gives  people happiness is relative, because our likings are different. Spending to see other people's happy is good, but another person's happiness may come from clubbing and care free life style. I think that a set of rules can not define true happiness for everyone. Different believes determines true happiness for people, and also what gives them true happiness in spending their money.

So long you know that you are genuinely happy with what you are doing, that's what matters most.
Because as you said, each of us have different likings in life and that for sure, we have our own source of happiness.
Just respect each other and don't judge other people for what they want in life. Mind your own business in short.
As long as you have peace of mind with what you have, and you are contented with your life, then you don't need to bother with other things.
We have our own time of realizing what's important and what's not. Don't shove it to others about what you have learned, let their time comes on that regard.

True happiness is never selfish and it will only make you more greedy keeping your happiness into yourself. However, if you start considering the feelings of others, spending money so you can see other people’s happiness especially for unfortunate ones, I think that one is way more satisfying and a very noble act. But I believe only few people spend for others, as most of us here spend only for our own happiness and own advantage.

I guess one way to be happy is to be able to make your ends meet and at the end of the day, you still have good amount left intended to save and to invest. That life is very satisfying to live without any pressures that you could be in financial struggles one of these days knowing you have already prepared for it in the first place. Buying luxuries in life will only bring happiness temporarily, but helping others and buying their needs for some who have been living life the hard way is what I think what will make me real happy.

I had this thing employed that’s referred to as “delayed gratification” basically meaning that you’re postponing today’s reward for a better and more satisfying incentive n the future. It has helped me take up discipline and become better at gaining self-control over the past 4 years I’ve used it, all because I promise myself that this temporary happiness isn’t gonna fare against a much more fulfilling happiness I will feel when I get this or I was able to get what I want for so long.

I figure that some people here might wanna try it too. It helps, it’s effective, and it keeps you off the edge thinking about that thing you wanted so much as a goal and not as a reward.

I don't believe this. Perhaps you didn't word it properly. I think it should've been better worded as – Use your money to benefit others rather than AND yourself. Who makes money for others? I don't think there's anyone who does that. Even the philanthropists we know, they first made money for themselves before spreading out to help others.

In my country there is a saying when you give food to the neighbouring children, our children will grow of their own. This means even when we aren't available on some occasion or due to some reason we weren't afford, by the time they'll help. Ao, when we're in a able situation to help others we should do the best of our ability. This is how I've learnt, and there are very few people who are of the category to live for others. Those are exceptions, I've seen a doctor who doesn't charge money for the treatment. He just request give what they are willing to pay. If they don't have money they can leave. For that person's death we were able to see how good he had won the hearts of poor people.

Money is not everything, but it is also everything in this day and age.  I want to ask you, do you feel happy without money? your family, wife, and children don't have a full life like other people, are you happy?  i don't think it's wrong to live our lives around money, because it's what rules the world. without it, we are nothing in this world, no one will consider you human if you don't have money.

No, it doesn't sound harsh. You are telling truth, when I was a worker I also go through same kind of experience. This slogan money can't buy happiness is only for those people in real who don't have money. The way most of the women use to say they don't like gold and diamond's jewellery, or ornaments until and unless they don't get. Money can help you achieve happiness to an extent. Look for purchase that will help you feel fulfilled. Having money can actually bring you happiness and self satisfaction unless greed gets you and join the race of being richer.

I have heard many people say that money cannot buy happiness but nothing is possible without financial condition. In fact, the relationship between money and happiness is very complicated in life. Many people think that rich people are happy to live an impossibly luxurious life. For most people, the tendency to be happy increases as income increases. This is also the case with higher income earners. For most people, the more money, the greater the amount of happiness. But do everything in your own interest. Must spend as income and avoid greed. Greed sometimes destroys happy relationships.

I ain't saying that good natured people don't exist. Of course they do, though in minute proportion to the world population. What I'm saying is that I don't think anyone will want to make money only to concentrate spending it on others and neglect themselves. How does that work?

The doctor you mentioned who didn't have the habit of making his fees/bills a priority, it didn't mean he didn't spend on himself. For all we know, he might even have got regular aids from charitable organizations that offset medical bills for indigent patients.

There's nothing wrong with pursuing after money for your own good and happiness but what we definitely define as happiness here matters alot, are they things that can affect us in life entirely the negative way or things that can help improve our well-being in general, we sometimes go for the wrong things thinking they are the right ones for us, at the end of it all, they turned to be the beginning of sad occurrences that leads to regretting what we have taken as decision in the past, therefore we must put some things in place and meet up with some certain conditions before we assume going for our individuals opinions as choices.

I think the best strategy in expenses management is trying to avoid buying things which can bring disappointment. The main problem of all the investments is that the amount of earned money are far less than expected, it can happen due to wrong investment strategy, or due to fiat devaluation. So the core idea is to optimize all the expenses so that there wont be serious troubles with regrets. Psychology of expectations and regrets is the main scale of values in economics, not money, in terms of motivation money is a fictional scale, since, for example, giving someone x4 money for a work doesnt always mean that someone will be x4 more devoted to the required work. Since psychological definitions can't be measured quantitatively, the scale of expectations and regrets can't be linear, but it anyway exists and comprises the backbone of all the motivation potential of every person, and of society in general.

That is right and many people take money from other people and spend it like selfish people and never pays back
These kind of people are threat to the the society and to themselves. Life is tough and these kind of people make it more tougher