Good Q, My opinion.
Happiness is a process of chasing after and attaining your goals and dreams. What makes the process difficult if not impossible is the need for most people to have a 'job' or two, for basic needs.
How many aspiring actors can't make the audition because WalMart wouldn't give them the day off?
Without a doubt, having money-financing makes this process easier so you don't worry about the basics (food, shelter..etc).
Money makes it easier to achieve happiness.
Without it some can't even get out of the starting gates.
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