You answer your own question here. You don’t have to tie the benefits to money, but you do need to understand that there is a cost, some of which is money, and

You answer your own question here. You don’t have to tie the benefits to money, but you do need to understand that there is a cost, some of which is money, and the benefits should be worth it if you’re going to be doing it. Who pays the money is a secondary concern to that.