The most common and most likely answer to this crossword clue is the 12 letter word BETTER-TO-DO
I've seen this crossword clue in Independent
B
E
T
T
E
R
-
T
O
-
D
O
Buddy explains!
The straight part
We know that "Having more money/a wiser course of action" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case having more money/a wiser course of action = better-to-do.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.