You need money. I got mine from working with my hands. There are a lot of people out there that they make it with there brains which isn't nothing wrong with that. Anyway you look at it without money it will be a real hard life. The more money you have the more comfort you will have. I know some people that didn't save for retirement and now have to work in there retirement age to just get by from check to check. Yes money is the only reward that I ever worked for not values.