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The longer I live, the more convinced I become that it’s not the amount of money a person has, but what he or she does with it that makes the difference between a life of joy or one of misery.

Years ago, a friend of mine won the New York State Lottery, with guaranteed annual checks of $200,000 for 10 years. Two million dollars seemed too good to be true.

Brett was over the moon with joy because he knew his days of financial misery were over. He could pay off all of his debts, and buy the car he needed so badly for his young family and a new home, too. Just like that, he was a millionaire. And, boy, was he happy.

He couldn’t write those checks fast enough. He bought a new car the following weekend, and they bought their dream home, as well. Read more