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Having money negates the negative effect of not having it, but adds nothing positive to the balance.
It removes debuffs, but provides no boosts.
As you get closer to your min financial requirements, don't forget to also level up on other skills that'll be important later on.
27.9.2023
i will say tho, the point of money is NOT to hoard it and die with a lot of it
spend it, be happy
consider using money to blast away problems, instead of buying "stuff" that comes with extra work and problems, esp if it requires constant mental overheads
dont let stuff own you
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