you don't need anything.

if my teeth were whiter i'd be a better person
if i use a particular collect calling service my family will love me
if i buy a diamond, my wife will love me
if i drink the right beer every OTHER woman will love me
if i owned a lexus i'd better appreciate the great outdoors
if i had a home equity loan i could buy those things that i deserve
the solution to my cash difficulties is a "payday loan"

you see how it goes.
a progression
from
money isn't everything
to
i need money
to
i need a little more money to be comfortable
to
you can never have enough money