Every time you spend money, you're casting a vote for the kind of world you want. Anna Lappe, O Magazine, June 2003 Have you ever heard Charles Dickens' quote, "Annual income twenty pounds, annual expenditure nineteen nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery." Pithy. Earn money. Spend less than we earn. I couldn't agree more. But there's so much more to be said about money. Like 'annual expenditure nineteen nineteen and six' -- on what? And why? In other words, once we've exceeded that basic hurdle of money management (spending less than we earn), then what?