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.
I believe that if you are good at managing your money then you will be 1-0 ahead of everyone else. There are so many people who think that managing their money means making a profit and not understand the deeper implications of it. The difference is that there is a good case to be made about how crypto could be reached as a way of saving but also earning and spending as well.
If you would like to manage your money then you need to learn how not to lose it, and that is the biggest task. If you could manage to not lose your money then you could earn here very easily whenever the price goes up and that is where the TA starts to help you out.