First things first: the way the world is (or at least the emergent way we perceive it) the money is either an important thing or everything (Peter Thiel in Zero to One).

The minority knows that even though the money is important it is not the goal per se! They want to make money. And they also know how they will spend it. For them the money is only enabler. It will make them happier, because it will enable them new experiences.

The majority believes the money will solve all their problems. They want to make money but they don't know how to spend it. (Sidenote: if one wants to spend it predominantly on material stuff one doesn't know what he wants in life. It is obvious one would buy it for status and not the experience. The one who wants status has to live according to other people's expectations, which means that he's living their life. Which again proves that he doesn't have a clue how he wants to spend it and is looking at others for a clue.) For them the money is the end goal. What they're missing is that the money will only solve the money problems. All the other problems (relationship problems, meaning of life etc.) remain even at 10 billion dollars.

Casey Neistadt made a nice video about it: