Good morning Joseth, good morning Roy.

   Wholeness requires separation. In order for us to experience ourselves as being whole, we spend most of our lives experiencing being separated, trying to get back to wholeness.

   One of our most creative ways of moving away from happiness has been through consumer debt. Our fixation with spending, gives us little time to contemplate being whole, until it hits us in the face with a debt load that we can no longer manage.

   The Black Plague of the industrialized world is debt for consumer goods and services. No matter how you may reason it, going into debt to buy a big screen TV or stereo system, a new boat, or lawn furniture, just is not necessary. You have been taught that all of these things are necessary to be happy and successful. You have moved away from happiness in order to feel it again by learning how to be miserable. Now that you are up to your ears in bills, you think that you would be happy again, if only you did not owe all this money.

   As adults, you spend one third of your lives paying of loans and mortgages, another third of your life paying taxes. The last third is supporting someone else. The fourth third you get to keep for yourself. Debt is the majour contributing factor in marriage and business break-ups. Where is there room for happiness in this chaos?

   Consumerism feeds the fat pockets of debt. It is like bulimia, you eat and eat and eat, then puke it all back up, only to start over again. Consumerism is the industrialized world’s version of happiness. Because humanity has moved so far away from happiness, he no longer understands what it is, and believes that "things," make him happy. He cannot live without things. Because he is unhappy and notices that other people appear to be happy with their things, he believes that if only he had one of those, he would be happy also.

   The insanity is that you have been collectively doing this thing repeatedly for so long, you do not believe you can be happy without spending and going into debt. Humanity has not learned from this mistake. You cannot buy happiness. You must be happy first, and then your spending will reflect that happiness and will not be dependant on the spending.

   Debt is the cancer that kills your happiness. Move away from spending and debt and get in touch with your true feelings and basic needs. When you begin to move to this place of wholeness, you will never do anything that could jeopardize that happiness. Money does not buy happiness in place of a failed belief system. At best it is only a temporarily relief like debt consolidation until you start the cycle over again.

   Life lived simply, allows lots of room for happiness, it is the playground of happy people. Happiness comes naturally to all beings; we learn how to be unhappy before we can move back to it.