Having that you earned yourself is good for teaching you the value of money.

网友这个句子有严重问题。问题是：

1. have 不能接 that 宾语从句。

2. that 从句里面，earned 缺少宾语，因为 yourself 不是宾语，而是 you 的同位语。

这个句子需要修改。有两种改法：

（1）Having what you earned yourself is good for teaching you the value of money.

（2）Having money that you earned yourself is good for teaching you the value of money.

改正后，主语都是动名词词组作主语。having 之前没有逻辑主语，哪来的动名词复合结构？其实，它的逻辑主语已经暗示了，是 your，但没必要说出。