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Those who say that money can't buy you happiness just don't know how to spend it.
But far greater a problem is the excessive spending of money.
That's because most people lack a workable philosophy for spending their money.
To prevent myself from being reckless, I've developed a simple heuristic that I repeat to myself before making a significant spending decision. It's a string of 10 M's:
Make Money to Make Moments Memorable. Make Money to Make Means Malleable