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Which options are correct and why?

I'll have had lots of money by tomorrow or I'll have lots of money by tomorrow?

I'll be there by tomorrow or I'll have been there by tomorrow?

I'll have finished the book by tomorrow or I'll finish the book by tomorrow?

This resource (https://www.perfect-english-grammar.com/future-perfect-tense-use.html) demonstrates that you should you the future perfect tense with the by the time phrase, but I'm still not sure.

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You can use either, for example, both of these are correct:

  • By this time tomorrow I will have had my dental work done.
  • By this time tomorrow I will have my new teeth.

What makes your examples a bit weird-sounding is the specific subject matter, not the tense:

I'll have had lots of money by tomorrow.

"Have had", as the present perfect tense, is best placed for use with events and experiences, such as "I have had a vacation" - the vacation was in the past, but you still possess that experience. When you use it to talk about money, it sounds more like you're saying you did possess money, but you don't any more.

You would be better saying "I'll have lots of money by tomorrow", or you could say "I'll have received a lot of money by tomorrow", which is more specifically about your receiving it and says nothing about whether you still possess it.

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  • I might as well say "I'll have lots of money tomorrow"? Does "by tomorrow" add anything?
    – Let
    Commented Jan 29, 2021 at 11:07
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    @Rusletov Yes it adds meaning. "I'll have lots of money tomorrow" could mean you are going to receive a large lump sum tomorrow. "I'll have lots of money by tomorrow" can indicate that you are receiving the money incrementally and it will have added up to a large amount by tomorrow; it could also mean that you've put something in motion today that will cause the money to come tomorrow.
    – Astralbee
    Commented Jan 29, 2021 at 11:10
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I'll have had lots of money could mean that you will have got the money and lost it again! (This is because I had money implies that you don't have it any longer.) However, you could say, for example "I'll have earned lots of money by tomorrow".

Similarly, I'll have been there by tomorrow sounds as though you will have gone there and come back. You could say I'll have got there by tomorrow.

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