New Delhi, May 20 -- "Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery," Charles Dickens, David Copperfield, Chapter 12.

One of Charles Dickens's famous lines is: "Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery."

Though written many years ago, the quote remains relevant today. It reflects a simple but important truth about financial management and the relationship between money and peace of mind.

The quote explains that happiness does not always depend on earning a large amount of money. Instea...