Having idea without money is only being difficult to quickly achieve, but having money without idea, the cost of losing could be more.
When there are ideas, plans can be made. These plans can be very big as a mountain that can't be climbed, because no resources to make them a reality instantly. But there's a way out, laying it out as simple steps, taking every important step by priorities.
In the absence of ideas and abundance of money, what to venture into might become a challenge, and it becomes a random use to test that which will be worth the trial.