The audience was awed when the world famous violinist announced before the concert that he would be playing one of the world's most expensive violins. His composition was played brilliantly. The master violinist played the number without a mistake. The audience was thrilled.

Then the musician took the instrument and smashed it on the floor. The strings and wood flew across the stage. The audience was shocked and assumed that the violinist had gone mad ... until he explained that the violin he had just destroyed was a cheap imitation. Then, picking up the expensive instrument, he began to play again, and amazingly, most people could not tell the difference. The quality of the instrument was secondary to the skill of the musician.

So it is with those of us who would live the "good life." T…