If you're a regular person:
- You have no free time because you have to work non stop just to pay the bills (especially rent)
- You have no free speech because if you say the wrong thing at work, you might get fired. Workplaces tend to severely limit individuals' ability to express themselves freely (because people have their livelihoods at stake). It's usually a very tense environment.
- For a lot of whitecollar jobs, you don't even have freedom of thought. You can't do your work while thinking about other stuff; your mind has to be focused 100% on the work (and in a lot of industries, the work is increasingly mechanical and repetitive).
The problem is not lack of money itself, it's lack of freedom. The only way to get freedom is through having a lot of money.