Money only satiates your desires. If you truly believe money can buy you happiness, you will never be satisfied with how much money you have now. You will always want more; be more “happy”. This is why many religions warn you about idolizing money. If you believe money is the key to “most if not all” your problems, then even the day you find the solution (stability, paid off loans, etc), you will not recognize it. You will never have and be satisfied with enough money, enough “happiness”.