To add on to the topic about money.

Maslow's hierarchy of needs - Wikipedia, the free encyclopedia

Money allows us to get food, shelter, medicine, etc. Falls under the physiological and safety.

If you can't even have these basic needs met, then it's impossible to be motivated to focus on the next level.

But if you already have the money to live a stable & secure lifestyle, then that's when people start saying "all you need is love."