I think people is the answer to both parts of that question
Even though money is great, I honestly believe that freedom is the key to happiness.
1 - the freedom to do what you like/love
2 - the freedom to eat/sleep when you want (In other words, not working a job that makes you work 20 hours a day)
3 - the freedom to spend time with your family/friends OR the freedom NOT to spend time with them
4 - the freedom to choose your government (usually not possible haha)
5 - the freedom to express your opinions, make your own schedule, wear what you like, etc. etc.
Having money is wonderful, having a relationship is a blessing, so is having a family, but NOT when a job, a marriage, a family, or any other outside force TRAPS you in a place you don't want to be.
Those things listed would make me happy. I agreed.
Nice friends/family make it good. Being alone/poor make it miserable.
Dwelling on the good things makes it happier. Dwelling on the bad things makes it miserable.