It is up to you to do things differently. You get only one shot at life, so make the most of it. Like the three legs of a stool. All are equally important in ensuring financial independence. People don't plan to fail, but fail to plan.
All prosperity is created in the mind.
And money is not everything. For me, health, family and happiness are far far more important considerations. Aim high, dream high. He is now an author of six published books with another twelve being published and marketed on the Internet. He is presently living in beautiful slow New Zealand waiting for the next adventure life has in store for him.