Morals- Everyone has different morals. It is kind of how you live your life. Your morals are developed throughout childhood and sticks with you the rest of your life. Someone may be less likely to steal something because there morals are different.
Money- It is a necessity in today's world but it seems the more of it you have the less happy people are. Also if you don't have enough most people are not happy because they are worried about being in debt and living a comfortable life. It seems like the people that live comfortably are the ones that have a reasonable amount of money to live comfortably.
Religion- It kind of goes along with morals in someways. Everybody has one in a sense. Even if you don't have a religion, that is in a way a type of religion. In each of these religions there are examples of the ways that people are supposed to and not supposed to do in everyday life.