Banking for happiness?

I know that happiness is something we all wish we always had but sometimes we are put into situations that do not allow us to do so...But I do think that it all depends on the person because if the are willing to do see life with a positive outlook taking everything in a positive way even tough this is not as easy to do as it is to say it can be done. But most of us wont put it in to action until we suffer soo much that we give up on everything and just try to make the best out of it from that day on.