I've searched for this short story for years.
In it, everybody is given $1,000,000 at birth. A single guy figures out how to game the system. Everybody thinks he's crazy to buck the system but he wins.
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I wonder if this is Future Perfect by A. E. van Vogt.
If so, people are given the million dollars on their eighteenth birthday not at birth. They spend it throughout their lives and the state gets back what is left when they die. The protagonist, Steven Dalkins, spends his million dollars within the first week of receiving it and the story kicks off from there.
The story is one of those libertarian themed stories that were so popular at the time. The future USA depicted in the story is rigidly controlled for the good of the citizens. For example all males are chemically neutered at birth and this is only neutralised when they marry the partner allotted to them by the state.
Steven Dalkins spends his million as part of a plan to overthrow the rigid control of the state by undermining all the principles upon which it is based. For example he spends the million dollars immediately, then contrives to get his neutering reversed without getting married and marries for love - not to the partner allocated to him by the state. By the end of the story it is implied he has been successful and the rigidly controlled state is about to collapse. The moral is that freedom from control is best even when it involves sacrifices.