I don’t like the phrase “It takes money to make money”
If this were the case, no one would ever obtain wealth. Someone who cannot make money without money, probably can’t make money with money either.
When you have money, you simply have a larger variety of money-making avenues to choose from. I’d like to revise the quote to say: “It’s easier to make money with money”
When you are strapped for cash you simply have to be more creative to make your money!