money is not everything but without money we can not live, but money is not everything. health can not be bought with money and happiness can not be bought with money.
But if you have money, you will have a better chance of improving your life. Without money you are going to die in agony, but with money you will have the chance to survive. And you actually can buy happiness with money, at least you can try to. But without money all you will have is sufferings and sorrows.
I think even if you don't have money as long as you have dignity, you respect yourself and other people, you don't do bad things, you have a chance to improve your life. You don't need a lot of money to be happy and successful. Simple life is enough. And last, sufferings and sorrows in not only you have when you don't have money. You will have lessons to be learned in life.
I kinda agree with you in a way that you do not need a whole lot of money in life to be happy and that is true as everyone have what makes them tick.
After all, there is a limit to what you can spend daily so you may not necessarily need all the money in the world except to just find that little you want depending on your taste in life. I have seen so many people who still enjoy life a lot with the little they have than those who have so much.