Vicious habits are so great a stain to human nature, and so odious in themselves, that every person actuated by right reason would avoid them, though he were sure they would be always concealed both from God and man, and had no future punishment entailed upon them.
If, then, there is some end of the things we do, which we desire for its own sake (everything else being desired for the sake of this), and if we do not choose everything for the sake of something else (for at that rate the process would go on to infinity, so that our desire would be empty and vain), clearly this must be the good and the chief good.
You really don't need leverage in this world much. If you're smart, you're going to make a lot of money without borrowing. I've never borrowed a significant amount of money in my life. Never. Never will. I've got no interest in it.
When happiness gets into your system, it is bound to break out on your face. While money can't buy happiness it certainly lets you choose your own form of misery. You always know, at this very moment, exactly what it would be to look, and feel, and be, and act completely Happy.