Teen, what you are asking is for another thread- giving people mussar, right or wrong? But this thread is about people posting what they want, and others analyzing it. Isn’t that the whole purpose of this thread?
My brother has a friend who’s in his late 20’s and miserable. his parents give him whatever money he needs, and now he has no desire for life. nothing to accomplish or strive for. Many reritrees end up going back to work after discovering how boring life out of the office is. People need goals and something to strive for. the lack of money in people’s lives actually makes them happier, because it gives them a goal to strive for- not a Torah-oriented goal, but it keeps them busy. the midrash rabbah in Bereishis says that the yetzer hara is “tov meod”- very good. Without the yetzer hara, nothing would get built or done. The desire for money makes the world go round. Having 100 billion dollars is fun for the first day or 2. then what?