I think this one is pretty obvious and doesn't needs arguing or debates. Money management should always comes first not only in trading but in almost anything that you do because if you don't know how to manage your money, your money will easily get depleted. It sounds easy when I am explaining it but even me I am having a hard time to budget or to manage my own money, this is why I am still poor.

Understanding the chart is only necessary when you enter the world of trading. In trading, we need both of them because you can say that you are good at analyzing the chart and you can earn a profit by that but if you don't know how to manage your money, you can still lose it all at the long run.