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In this quote, Ayn Rand is asserting that merely having money alone is not enough to guarantee happiness. One must have clear goals, values and desires – a “concept of what he wants” – in order to find purpose and fulfillment in life.
Without knowing what is truly important to oneself, one could accumulate wealth but still feel unfulfilled or lack direction. Rand is suggesting that to gain happiness, one needs both financial means as well as an understanding of oneself and one’s priorities or vision for how to live well.