I firmly believe you get out what you put in. Maybe not in monetary value but you will at least feel good and be happy. If you think your life is gonna absolutely suck unless you have a lot of money, well, you're always going to be miserable and I feel sorry for you.
I'm constantly broke but I've never been happier. I get to do what I love and and do it with some of the people who are the best at it in the world. On top of that, I have a job where I get to help people make huge, dramatic changes in their lifestyles and see how much more positive and happier their lives are afterward. I can't explain the feeling I get when I see someone posting a facebook status about happy they are with themselves and tag me and my co-workers thanking us. Again, I have a hard time paying my bills/rent yet I've never been happier.