>Money is a path to acquiring sufficient power
Power and money are almost interchangeable, and I'm taking a wild guess that better questions are hidden in that "almost" (as you say, "wisdom+effort", but I'd have to sleep on that for a few nights in order not to casually one-up that with "precience")
However, I'd encourage you to contemplate all the things that money can't "buy."
I categorize power not as the sum total of capability to dominate, or purchase, but influence belief, shape motivation, and inspire action.
Our body can develop power over the physical world. Our mind can develop power over the world of myths and information. Our ability to communicate can develop motivation in others through belief, inspiration, and hope.
Money can out-source, to acquire the power and resources of others.
There are many ways to power - Money is a centrally dominant one, today, but is predicated on a certain order to the world and is not universal.
Wealth, in the modern era, has been a vehicle to achieve power. It is certainly not the only path, but it is the most culturally universal path to influence the effort of others available today. When we set our ambitions towards lofty outcomes that require power to accomplish, we inevitably run into the capacity constraints involved with being a single person.
Money is a path to acquiring sufficient power to realize goals. Power itself is amoral, and the idealist with good intentions must inevitably conclude that power is a requirement to realize big dreams.
But, effort is also power. For our sanity, wisdom would have us focus on our efforts, with every moment we have, rather than whether or not we achieve the goal. I'll also add that AI is increasing the scope of what our efforts alone can accomplish, for good and bad.
To achieve large goals, pragmatism would require us to derive meaning and purpose from the effort put towards those ends, rather than the attainment of the goal. Think this is best described as an 'open purpose'.