Review and reward yourself annually if your targets are met. Pursue your personal goals and business ideas with all you've got. In them, they are far more likely to be achieved. It is up to you to do things differently. You get only one shot at life, so make the most of it.
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 five 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.