It seems that everyone is protesting nowadays, austerity cuts, anti-social violence, etc. Everyone is unhappy because “everyone” is poor. 90% of Americans are in debt, so you are likely to get poor financial advice from 90% of the people you talk to. If you want a pathway to happiness, then ask those who are happy how they achieved it. More times then none, they will be glad to teach you some helpful tips. This is why I blog freely about eliminating debt, because my B.I.E. actually works.