No, you do not, but being prosperous, and free of financial worries is never a bad place to be. I would like to chime in with the recommendation that young people get a college degree or trades certification, so they can make a decent income.
Robert Kyosaki, the financial guru, now somewhat discredited, did make some instructive suggestions about paying yourself first (a fund for investing), building assets not liabilities, etc.
If young people can start early being frugal, investing 10% of their gross income, and learn to invest, build a business, or launch a start up company, their private wealth and property, are the necessary and sufficient material launch pads, for self-realizing, the path to God and the Good Spirits.
God is not at all anti-worldly and anti-money; God wants control of this world again. De just advises that our material pursuits are a tool and means to leading a good life, they are not the end, the good life itself.
Therefore, a moderate, ambitious plan and desire to acquire wealth and property allow for higher or high self-esteem, the psychological and spiritual underlayments of living the life of the individuator, the living angel existence of a good angel, who enjoy the highest self-esteem of good will and love of others, the De, and the self.
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