Usage of 'future perfect' versus 'future simple'


I have a question about the usage of the future perfect thingy: I know that it is used to talk about a completed action before a time in future, but is it wrong to use just plain future simple in this same case?


For example, can we use



I will finish all my money by the end of the week.



instead of



I will have finished all my money by the end of the week?



Do native speakers follow this rule in their speaking?




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