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Maybe people do buy happiness. On credit

Debra Goldman’s feature “Can Money Buy Happiness?” [Feb. 3] was fascinating. I can’t get over the finding that happiness doesn’t budge much once income reaches the $20,000 level. Perhaps this is due to the fact that the easy credit available to consumers nowadays enables many to live beyond their means, thus making them happy. Of course, I don’t know how happy they are once they can no longer meet their minimum payments.

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