I think of success as a formula: FxC+ExR. F is family and determines your starting point. Wealthy families can invest in you. C is for competence. It has to be a marketable skill set. A useful education multiplies your starting point. E is for effort. Effort is only additive, not a multiplier. You can only work so hard. R is for risk. Do you own the thing generating income and loss? Qualifications are only a portion of the formula.

Hmmm. Why do you think you got downvotes here? Maybe I’m missing something.

I recently read that in 1800, an extra hour of light per day required 5.4 hours of effort. (Make a candle, chop down a tree, etc.) Today, it takes less than a minute of effort to get that extra hour. That sure seems easier.

Nobody will care more for your physical health than you. Outsourcing healthy living to anyone else just doesn’t work. Same goes for financial health.