Hi @lennyblogs
Happiness to a large extent depends on each one of us, it is true, it is a reality, and I agree, regardless of the money we have, or that we do not have, we can be happy.
Debts, wow, this can be a big problem, it really can be if the debt is acquired for a purpose that is not clear or if you end up making an unnecessary expense, can be whoever does it in big trouble.