Most of you would probably say that what makes you truly happy is your family and the love you share in your relationships, and I couldn't agree more. But money comes into play in those relationships. When I talk about money this way to a group, there is always someone who comes up to me and says, “Suze,you are so wrong. Money isn’t the key to life一this is!” At which point their wallet flies open and they show me a photo of their family. That’s when things get interesting, because I start asking them questions: Did you take that photo with your own camera? It looks like a beautiful beach, was the photo taken on a family vacation? Do you hope to help those beautiful boys and girls go to college? As their answers are “yes”, I ask them how they provide all of that for their family. That’s when they understand that I had it right. I totally agree that family and friends are of great importance to our well being; without meaningful relationships, there’s no chance of ever being truly happy. That’s why, every Saturday night, I end my CNBC show with the following words: “People first. Then money. Then things.” How we deal with the money we have also plays into our happiness. Over the past few decades(十年), the percentage of Americans who say they’re happy hasn’t changed much, while at the same time the average income has doubled. So we have more money, but we’re not much happier on average. A paradox(悖论)? Far from it. My sense is that while we’re making more money, we aren’t making more of the money we make. We have to pay for a lot of things, and we have to worry about saving for retirement(退休) in a way that our parents and grandparents never did. And as many of you know, it’s really hard to increase your happiness when you’ve got a lot of money worries. Do you agree, or am I way off base? I'd love to know what do you think about the money/happiness connection.