We may not be sure on how to increase the happiness level in the future; but we can be sure what will decrease the happiness level. If we have one more thing to worry for the future and if that worry come true it will definitely bring down our Happiness Score or Index. Long-term committed expenses Our two long-term future expenses are monthly mortgage payment for residual home and life insurance premiums payment. Once they were started, we will have little choice but to find all means to cover them till their end. I believe no one with the right mind will want to pay their insurance premiums sooner than expected. So we are now left with mortgage payment. This one will require us to clearly think through. Every one has to decide for themselves what is happiness within. Is that feeling of richness in us happiness within? Read? debt-free — and that, to me, is ......