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It's often said, "More money, more problems." This is a really stupid saying. Money doesn't give you more problems, it solves your problems. If mess up your knee and get an ACL tear, you can afford top of the line health insurance to get it fixed. You also afford top of the line physical therapy to help you get better way faster. If you get robbed at gunpoint and develop PTSD, you can afford the best of psychiatrists and psychologists to help you cope with PTSD better or to help to cure you of PTSD. If you total your car, you can have money to afford a brand new, top of the line car. The list goes on and on. More money doesn't give you more problems, it solves your problems.

Having more money than can be spent in one lifetime leads to another set of decisions. You need carefully designed estate documents to ensure your wealth is distributed according to your desires. Second marriages, grandchildren, and heirs with disabilities complicate these decisions. If you die young, who will you appoint to oversee the money until your children are old enough to manage it themselves? Will they ever be able to manage it themselves? Will money stifle the professional energy and aspirations of your heirs? Will it ruin their lives?

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I could go on, but I will stop there. It is possible to create a simple life with significant wealth, but that will never release the burden of stewardship. Although money is a human invention, it is very real, as are the emotions that come attached to it. These probably were not the same problems Biggie alluded to in 1996, but they are the ones I encounter on a daily basis.

Notorious B.I.G. said, "Mo Money Mo Problems." Although the single topped the Billboard Hot 100 for two weeks in 1997, Biggy got it wrong. The truth is the more money you have, the fewer problems you will have.

Think about it logically for a minute: a lack of money actually causes the majority of problems. How many people are struggling to make their mortgage payment? What about their car payments? And credit card statements? And what happens when life's unexpected events happen? People get sick. The car needs repairs. Your have to pay for your child's after-school activities. The list goes on and on.

While most people are up at night because they are overloaded with so many problems, the rich are fast asleep knowing that everything is taken care of. The curious paradox is the sleep-deprived middle-class performer is worrying about all these problems and barely making enough money to survive, while the millionaire isn't worried at all and makes a fortune. This has been happening for more than 200 years in America, yet the middle class continues to deny the significance of being rich.

It starts with one of the biggest myths among the masses, which is the idea that millionaires are workaholics overloaded with so many problems that they don't have time to enjoy life. This is nothing more than an excuse that most people use for being broke. It's as if they're looking for a reason to avoid success by making it seem unattractive.

While it's true many millionaires appear to be workaholics, for most it's because they love what they do and are good at it so they don't consider it work. There's a fine line between work and play for the self-made rich, and they often struggle to make the distinction. These people truly enjoy solving problems because they're enamored with their occupation and fascinated with its dynamics.

When you're a millionaire and become tired of solving problems, you pay someone else to solve them for you. The masses don't have that option, so in reality the average person is faced with the prospect of having to solve more problems in a day than most world-class performers do. The ability to pay other people to solve problems frees them up to focus on more important and profitable areas of their business. Money gives the rich control over every aspect of their business, and many areas of their lives. The more money they have, the fewer problems they have to personally address.

Knowledge at Wharton: There was a time where the health care sector really did focus on the patient and not necessarily the bottom line. Doctors used to make house calls. Maybe stopping the home visits was the first step to this industry becoming more financially focused?

This rule changed spending in the league and should have given teams with more money a competitive edge. However, only the biggest market teams such as the LA Galaxy and New York Red Bulls took advantage of bringing in players like David Beckham, Robbie Keane, and Thierry Henry.

This new strategy, taken originally by Atlanta United, is to successfully build an expensive squad focused more on a sporting direction rather than big names. In Atlanta, where it was first used, the spending went towards Miguel Almiron playing in Paraguay and Josef Martinez, a Venezuelan striker playing for Torino but struggling to start ahead of established striker Andrea Belotti.

This strategy has only been implemented since 2018 and teams including LAFC have taken it. LAFC, while originally taking a like Atlanta, seemed to move more towards 2015-esque spending. They have brought in Cristian Tello, Giorgio Chiellini, and Gareth Bale to bolster arguably the best squad in the league before these transfers. LAFC might have fallen into the same issue Atlanta faced two years ago. LAFC and Atlanta show that the biggest failure of this strategy comes from failing to correctly replace players who leave.

Atlanta United joining the league has also seen major changes across the league. Moving away from older European big names has caused a transition in the league from its retirement league history into a developmental league. As more teams begin to shift their focus from big-name signings to a strategy revolving around team cohesion, MLS youth academies have become a major source of success within MLS.

However, the MLS is a fast-paced, physically demanding, and end-to-end league that these older players struggle to adapt to. Because the physical aspect is so important, the technical skill becomes less important, making players such as Andrea Pirlo obsolete in a league like the MLS. While buying younger less well-known talent is harder to excite the fan base, it can provide the same marketing success as buying older talent but takes more time and effort to be successful.

Large spending on older talent hurt the league since its start in 2015. Many teams have tried this strategy searching for MLS Cup glory, but none have succeeded. As team owners and sporting directors slowly learn that this strategy does more harm to a team than good, we are beginning to see a third era of expansion teams.

Charlotte FC, Austin FC, and St. Louis have moved towards a hybrid model of getting one or two older players to act as leaders, but building their squad more successfully around younger lesser-known talent. This strategy aligns with that of many teams in other development leagues such as the Netherlands and Belgium and shows that MLS is on track to become one of the best leagues outside of UEFA competitition.

Having more money could also increase expectations and pressure. Society, friends, or family may expect you to live a certain (perhaps less minimalist) lifestyle, donate to certain causes, or even provide financial help.

Many people believe money can solve all their problems. But Richard Watts, a financial and legal advisor to the very rich, says there's some truth to the saying, "more money, more problems." Watts speaks with host Michel Martin about his new book, Fables of Fortune: What Rich People Have That You Don't Want.

If you're still contemplating the fantasy of what you could do with money like that, college and retirement funds paid up, a second home, shopping sprees, a life with no worries, our next guest says that old cliche really is true. Mo' money, mo' problems. And he says he should know because he is a financial and legal advisor to the very wealthy.

The first one is just the issue of when a lot of money comes to play, husband and/or wife, whoever made the money, has their time taken more and more and more. It reminds me of the time when I saw the CEO of a very large Fortune 500 company sitting on the beach with his kids playing in Hawaii and he did nothing but tend to two iPads, two phones and a laptop that he had. The entire time he was sitting on the beach, that's all he did.

But one of the - I think - the most powerful stories in the book is your own, where you talked about how one of your sons racked up thousands of dollars in credit card debt without your knowledge and thought you would bail him out, and you didn't. Could you talk a little bit more about that?

WATTS: Yes. That was my son Todd. He was at University of Southern California. We put him on a budget and the lifestyle that he wanted to engage there with a lot of the kids that were there was more than he could afford. And so without telling us, he basically started getting - taking every credit card that was offered to him and, by the time he graduated, he had $48,000 in debt, in addition to, you know, the things that he had obligations for with regard to his school.

So the ones that have been successful at it have done it basically to create security and the Warren Buffetts of the world, when they get to a place where they can have anything, they don't allow themselves to have anything and they make sure that they continue to echo to themselves that this was never about having jets and 15 homes and having more than I could possibly own in the way of a wardrobe and house in one place.

When more is the goal, we never fully arrive. It is insatiable. And that is the problem with always wanting more. Happiness and contentment will always elude us if we are looking for it in the acquisition of more.

I suppose, if it was commonplace to see an end to this pursuit, that would be a different story. If human beings eventually arrived at a level of more, and suddenly became content, we could all strive to reach that magical level. ff782bc1db