If you are controlled by money as opposed to controlling money, you will never be happy
When in debt you need money. When you need money you are never happy.
If you don't need money you don't have the hassle.
Happiness levels are 100% suppressed by debt.
The whole solution to happiness problems is to get away from money. To get away from it
you need to not be tied to it. To be not tied to it you need to be out of debt.