Realist:
How is money not real? It's used to buy goods and services, isn't it? It has tremendous influence over people. It buys access: politically, culturally, sexually, just to name a few. It has the potential to purchase anything human industry has ever created. All modern civilization is built on it's exchange, so how is it not real?

Freeist:
While money is necessary in our society, it is far from being real. The value of it changes all the time. Many of these changes are dependent on other people's values of how valuable something is. What is real is what cannot be purchased with money. That is, the spirit and it's manifestations. Happiness, success, love, personal power, confidence, serenity, humility, just to name a few. All that money buys cannot be taken beyond this one lifetime. It is all cashed in at the grave.

What is real is consciousness. State of mind. A relationship with a higher power, or a lower power if that's your belief. Or your personal power if that's what you choose.

This is how a nation can be wealthy yet be infected with depravity. This is how a poor person can be blessed with love and a rich person can be mired with misery.

What good are the things you purchase if your mind is cluttered by them? How does the soul grow if it is smothered by an endless pursuit for material pleasures?

To sum up, what isn't real can make us laugh.
What is real can make us love.
What isn't real can fill our houses.
What is real can fill our homes.