Many people criticize others for spending money on luxury items, claiming that money can't buy happiness. However, the speaker challenges this notion, stating that those who make such comments are not happy themselves. They emphasize that people shouldn't judge others without knowing their struggles and experiences. The speaker argues that money does make people happier and those without it often criticize its value. They urge listeners to be aware of criticism from those who have not achieved success and to pursue their own journey without being swayed by negative perspectives. The speaker encourages applying this mindset to various areas of life, such as fitness, career, relationships, and personal purpose.