Studies have proven that being rich won’t make us any happier. A Princeton University study showed that people needed an annual income of $75,000 per year per household and no more to be happy. Above that amount, more cash has no effect on “emotional well-being.” What this really means is that you need to be able to comfortably pay bills and save without worrying about finances. On the other hand, financial uncertainty does make us unhappy so this is another chance for evaluation. Are you overspending? What can you downsize? How can you minimize your life so that you can afford it? This is in no way an easy question, but it’s part of the journey.