The key insight is that in order to get money, one must truly want it and be willing to take the necessary steps to obtain it. Most people may claim to want money, but are not willing to do what it takes. Additionally, the speaker emphasizes that achieving wealth is not easy, and successful individuals have faced challenges. The speaker advocates for self-reflection on ways to increase income, but also acknowledges their personal choice to prioritize happiness over maximum financial gain. They express a lack of envy towards those who have a different approach to wealth accumulation, highlighting the importance of pursuing individual fulfillment. The detrimental effects of envy are discussed, with the speaker referencing a quote by Charlie Munger about the negative impact of this emotion.