"Money in" is going to become the story as the Dow takes out Jim Cramer's year-end price target of 14,548, he said on TheStreet.com TV's Wall St. Confidential Web video Monday. When he says "money in," Cramer said he means "there's a lot of money that says this time it's for real" and that the market is going to go up a lot. "It's not all speculation on what's going to be LBOed or private equitized," he said. "The cash rates are going to go down." Despite what market players hear from all the people who said the Federal Reserve wouldn't cut rates before and are now saying it won't cut again, "the Federal Reserve is going to make cash an unappealing asset," Cramer said. "There's just a tremendous amount of money coming in, and at the same time a tremendous amount of stock has been retired." Just last week, there was $40 billion taken out in takeovers, he said. Plus, there were a huge number of buybacks announced. People aren't putting together the vast picture, which is that "there is far less equity being printed than taken out while cash is becoming less attractive and our stocks are becoming more interesting to foreign buyers," Cramer said. "This is a huge sea change and people just don't believe it."