Money is incredibly caustic to motivation and ambition. I struggled with this for a while myself. Even for the motivated, having some dollars decreases urgency

Money is incredibly caustic to motivation and ambition. I struggled with this for a while myself. Even for the motivated, having some dollars decreases urgency significantly; you shift from short-term thinking to long-term thinking. Having the right balance is necessary (you need a little vision into the distance) but it's surprisingly destructive to have the wrong mix.