Let me stress three important points. First, LS has more significant covariates than H and D. This makes sense, since LS is the broad cognitive evaluation of life, whereas H and D only capture short-lived emotions. Second, and closely related, it pays to disentangle cognitive and affective components of SWB. As was shown, the significance and strength of covariates varies for LS, H, and D. Third, although the financial situation matters, the three strongest predictors of SWB are marriage, perceived physical health, and employment.