well it is not exactly essentioal but salmon need it
Nucleus,mitochondria and cytoplasts
(Think you mean intelligence)
I think, intelligence is slightly more important than money. It's so because if you have intelligence, you can very well earn a lot of money. You can make use of your brains and find out smart ways of having more income. On the other hand, money can't fetch you brains.
All of these are not part of the life cycle. It's man-made. Think of it in biology terms - something that's created genetically.
