Contentment makes poor men rich. Discontent makes rich men poor.

Supposedly, Benjamin Franklin said that. I was unable, in my brief research, to confirm that these are actually the words of Benjamin Franklin. But it’s a good thought nonetheless.

I’ve written about this idea before, from a slightly different perspective, that our happiness is not primarily determined by our circumstances. Rather, to paraphrase the Apostle Paul: I can live in any circumstance, in any situation, whatever God calls me to.

Paul also addressed it from this side of the equation, in one of the most frequently misquoted lines from the New Testament: That money is the root of all evil… Except, of course, Paul never said that.

I think this is the last Dave Ramsey story I’ll tell for a little while. (Or at least the last big one.) But I have to at least tell this one, because I’ve already told it to several friends, several times, and it’s turned out to be a hoot.

Dave Ramsey is famous for cutting up credit cards on stage. And for using the word “stupid” repeatedly during the process. And this is a story of the first credit card I ever had. I had gotten it while still a teenager, through a deal with AAA. And I still had that credit card years after I had dropped AAA. I kept it after the account had been sold to MBNA—Yikes!—and finally to Bank of America—Crikey! I charged up that card, and paid it down, and charged it up again, and paid it back down, and charged it up— like a freakin’ yoyo. That poor card was so tired, I had put it through so much: it had a dog-ear in one corner and a tear on the opposite one. But it kept going, and I kept it around, for “emergencies.”

(You can see where this story is going, right?)

According to Dave Ramsey, money arguments are the number-one cause of marital strife.

Now, I’m not sure where he got that factoid. And I don’t actually know whether it’s true, because marriages—as all relationships—are more complex and nuanced than a single cause. Regardless, it is surely true that money arguments are a leading factor in failing marriages.

In early 2009, after a series of bad software development jobs, I sunk into a deep depression. At the time, I attributed my mood to the bankruptcy of the software industry— And I still believe the industry in general is broken in several key areas, and needs to be fixed. But I later discovered, my problem was mostly connected to my own reactions, my own thoughts, going through my own mind, what Perry Marshall calls “inner head trash."