Personal Development
If I may add to it. I found that first effort needs to be to develop interest passion and love for something. Once that is in place, time, money, effort and excellence falls in place automatically. Now this raises a new question as to how to develop interest and love for something. Sometimes it comes naturally, sometimes time, age, events and circumstances in life turn a person in certain direction. But more deliberate action that can be taken is to get involved in the company of such people and that may help direct your passion.