So, clark_collins, your being happy is contingent on having a lot of money and, I'm assuming, not having to work for the rest of your life. Hmmm. How much money? No work at all? Sure, give money to the needy, too. But, please, who are the needy? And how much money are you going to give them? And how are they going to use it?
But let's stand back a bit : The question itself has nothing to do with happiness. Or money. Or even you. It's just a question of what you would do if you could do something illegal and get away with it without anyone finding out. Ever.
Of course, you'd have to live with yourself, having done whatever it was that you wished you could do. So from that point of view, yes, it does have something to do with you.
Hmmmm.