"People say that money is not the key to happiness, but I always figured if you have enough money, you can have a key made"

In this quote, Joan Rivers is expressing her belief that while many individuals claim that cash is not the secret to joy, she personally believes that having sufficient cash can open doors to happiness. She cleverly plays on the expression "essential to joy" by recommending that if one has adequate cash, they can literally have actually a key made to unlock happiness. This could be translated as a funny take on the idea that cash can buy material ownerships and experiences that can bring pleasure and fulfillment. Rivers' point of view challenges the common notion that cash can not buy joy and highlights the potential power and influence of wealth.