People with serious financial problems are so worried about money that they cannot be happy.
Passage
Conditional (cannot) Serious financial problems → not happy
Causal (makes) Their misery >> family, friends, and colleagues unhappy too
Conditional (only if) They and those around them happy → their financial problems are solved
Evaluate
Three claims about one chain of misery. The first is a hard rule: anyone with serious financial problems is unhappy. The third says the same thing from the other side, as a requirement: happiness for these people, and for those around them, needs the problems solved. The middle claim spreads the unhappiness outward by causation.
The guaranteed inference is the contrapositive of the first rule. If someone is happy, that person does not have serious financial problems. What the rules do not give is any guarantee of happiness. Solving the problems is required for happiness, not sufficient for it; a person could solve their money troubles and stay miserable for other reasons. And unhappiness has many possible causes, so an unhappy person need not have money troubles at all. Only the direction from financial problems to unhappiness, and its contrapositive, is locked in.
Goal
Find the contrapositive of the first rule: happy people do not have serious financial problems. Anything promising happiness, or inferring money troubles from unhappiness, reads a rule backward.