According to research, the life circumstances in which we find ourselves; meaning that whether we live in a mansion or a trailer, on the sunny southern west coast or the bitterly cold prairies, our degree of beauty or plainness, our fitness level or body mass index, or whether we are married or single makes up only about 10% of our sense of well-being and happiness. In theory, then, this means that we can spend the better part of our adult life scrimping, saving, and stressing over every dime spent in order to one day afford [...]