Just For Thinking .... More money probably won't make us significantly happier? Hard Truth: Lack of money will definitely made us unhappy so we should not be trapped in lack of money situation through good financial planning and budgeting well ahead of our future needs. Sometime the thought of it already made us unhappy! Uncle8888 has learned this painful lessons in 2008 GFC for his two children university fund where he was forced to cut his losses in Nov 2008 due to fear of Depression 2.0 to raise $80K in cash to ready this uni fund for his children starting their first semester in Jul 2009. This time round he has "foolishly" placed $100K in FD (4 x $25K) for his youngest son. Why bother to get another $X,XXX more?  It is better for him to "foolishly" sleep well with $X,XXX lesser. Right? Same hard truth ......