Money often costs too much. —Ralph Waldo Emerson If you owe nothing, you are rich. Money doesn’t make people happy. But neither does poverty. The secret, then, is to have as much as you need—or maybe a little more, and then share what you have. ‘I enjoy life,’ said Seneca, ‘because I am ready to leave it.’ If we can disencumber ourselves of nine-tenths of our worldly goods, it should not be difficult to leave the rest behind.