Money ain't very spiritual object.

Many people who have money don't have any spiritual / psychological advantage beyond the realm of making money (financial business). If you can build a charity organization, that says a lot about it. If you can't do that, you just got numbers.
If you have money, but get emotionally triggered and are impulsive, you're in a bad place on many ends.
Money skills ≠ life skills.
10m + skills is 100 houses. So don't get non-skilled spending confused with skilled spending.
Money management and understanding of all industries are crucial to reasonable re-investments, wise-economical decisions.
If you're smart about it, you get snowballing effect from 10m -> 100m. But that's one of the hardest games on monetary end.