So this is national financial planning week. G&M has a big section on it to fill the void of it's low news Monday business section. Lead story implies that people who plan are happier. Again I'm thinking correlation does not prove causation. Maybe happier people just plan more? Or happiness and the inclination to plan are caused by some extraneous 3rd factor such as education, intelligence, or wealth? These surveys really are flawed in most cases and this one is too. Thoughts?