1. Food, water, clothes, shelter, and all other basic needs - You see, without money, you will be left with no choice but to settle for the minimum. If you have enough money, you can buy healthier food products and ingredients, and pay your water bill. You can also buy clothes of higher quality that will make you look presentable. Money also allows you to buy a house or at least rent a place to stay. Everything you do and use nowadays need money to work--thus, you need it.
2. Luxury - Luxury is that: luxury. While you don’t really need it and you can live without it, it can still make you happy. Rewarding yourself after a month’s hard work, what could be lovelier than that? However, this is something that you should be able to control, because luxury can easily lure you into believing that you need to live to earn money.