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The key to happiness accrding to some people is Financial independence. Financial independence is the accumulation of wealth. Wealth which equals Financial independence is the accumulation of assets that exceed debt. Debt is a pbad thing as it leads to stress and the need for debt consolidation programs as well as loans from financial institutions. Credit Cards also contribute to debt which can cause more stress. Debt equals Stress and Wealth contributes to Financial Independence which equates to happiness. The key to happiness accrding to some people is Financial independence. Financial independence is the accumulation of wealth. Wealth which equals Financial independence is the accumulation of assets that exceed debt. Debt is a pbad thing as it leads to stress and the need for debt consolidation programs as well as loans from financial institutions. Credit Cards also contribute to debt which can cause more stress. Debt equals Stress and Wealth contributes to Financial Independence which equates to happiness.

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