My todo list will keep me busy until I'm 3000 years old. I might not be hit by a bus, but I have no reason to think I will ever get to the end of that list. Money can buy things required for the list that are not on the list, but I have to work to get them. In many cases I spend less time working then I would just doing it. I could make a canoe from scrap wood and row to New Zealand, but in a week at work I get enough money to pay for a plane ticket, while paddling across the ocean would take months (people have taking canoes across the ocean so I know it is possible - though I'm not sure how risky it is)