If a person has both skills and money together, and another person has only skills, then between these two people, I think the person who has skills and money will advance first. However, it is very difficult for a person who has money but no skills to advance. Because he does not know how to use his money properly.
On the other hand, a person who has only skills without money may take more time, but after a while he will do well. Again, it is not that a business cannot be started without money. Human willpower and self-confidence are also very big things.
When that skilled person creates a good project through his own efforts but is unable to manage it well due to lack of money, that person realizes how important money is. When money and skill are together, it makes life easier for a person.
In the current era of the Internet, these have become easier. Thanks to the Internet, people can do freelancing from home. They can create content, blog, and write content.
There are so many examples around us where people with only skills have made progress in life. Take example of Bill Gates, he was not rich from day one but using his skills he launched a company that is now one of biggest tech company in the world. Self made billionaires like Warren Buffett and Bill Gates are not passing all their net worth to their kids rather they want their kids to find their own way because they know that if their kids are capable they will earn money on their own. Money is secondary thing, primary thing is whether you have the burning desire to become rich.