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It’s tempting to believe that riches will make you happy. But some people who have crossed the $1 million mark — or even those with $1 billion — say it just isn’t so. While money undoubtedly makes some things in life easier, it can create complications in other ways. More to the point, money itself will not eliminate your problems or magically transform you from a Gloomy Gus to a Joyful Jane.