20:59

Myron Golden argues that money does not determine happiness — money only provides choices. Happiness is a matter of perspective, focus, and gratitude rather than external circumstances. Golden uses personal anecdotes (he was happy when "broke as a joke"), concrete examples (gratitude for sight, mobility, running water), a valet tipping story, and a scriptural metaphor (Psalm 23: valley → mountain) to show that trials prepare people for blessings and that one can be "glad" or "mad" regardless of wealth or health by choosing perspective and fellowship with God.

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