I know this seems an obvious interpretation of this complex painting. It is saying  with an education (the pencil) and hard work (ARGH) one can achieve happiness (heart), money(dollar sign) and good health (cross). The manner in which the artist chose to portray these things leaves it open to many interpretations, some very dark and sarcastic, which is part of its greatness. After sifting through various modes I come back to the simple, obvious one which may even by overlooked because of the style.