Miley Cyrus is Spoiled Rich with Liam, Rocks & Cash!

Miley Cyrus is a serious triple threat ... just check out the merch.

Miley was all smiles with Liam Hemsworth Tuesday night in NYC. It's easy to see why she's got a wide grin ... she's got her man, a HUGE rock and dough pouring out of her purse.

Get it, Miley.