If you are not financially independent by the time you are forty or fifty, it doesn't mean that you are living in the wrong country or at the wrong time. It simply means that you have the wrong plan.
You cannot take the mild approach to the weeds in your mental garden. You have got to hate weeds enough to kill them. Weeds are not something you handle; weeds are something you devastate.
Learning is the beginning of wealth. Learning is the beginning of health. Learning is the beginning of spirituality. Searching and learning is where the miracle process all begins.