Wow, happiness can be free and easy if you learn to be grateful for what you have today. There is still room to aim for more wealth or possessions, but you are already wealthy if you are happy with what you have. 
Edit: ps. The above works for both males and females.
My dear mate, It all depends on the dimension that you are coming from because money And happiness are Two different things with different influence on human beings . Its is quite obvious that money makes So many people happy especially ladies as you said But the essence of happiness is contentment You can only be very happy when you are contented with what you have because there are So many rich people out there who are very rich But yet they are not happy meanwhile there are few people out there Too who re just average Business people without enough money But yet they a very happy And living a happy life Too. However, money cannot give us the happiness we are looking for except when we are glad And appreciate the little that we have then happiness will come .Edit: ps. The above works for both males and females.