You would be surprised at how many people stop thinking about it.

Too many think that money is the "easy button" that will solve everything. That is never the case.

It helps, absolutely, but, as you mentioned, you still have to use it.

Example: I had a client who inherited his fathers company. He had never set foot in the company, but it was making enough profit that he could take out 60k a year without any problems.

When his father passed away, however, he suddenly had to do all the legal things, including, but not limited to, taking care of the location, rent, heating, and overseeing the profits at least in part. He had to be present in meetings all of a sudden and had to make a lot of decisions. His free money was not free.