Your 2nd option remind me bill gate's quote which is "If you born poor its not your mistake but if you die poor that's your mistake". We should work hard for successful life and future
It is a pertinent quote. But you are better to work smart than to work hard. Embody your ideas as soon as possible, don't wait too long. This is a key to success.
The good news is that the higher your financial intelligence, the more money you make without needing money. In this new capitalism, it is truly possible to make money for nothing.
Typically, people always wish to be richer than today, even they have sufficient wealth for living, but there is no new capitalism. Trivially saying, the crypto currency is just a new kind of investment assets based on secure mathematical operations and blockchain technology which is a distributed database. You need to buy promising coins that will grow in the future, and you can make money almost from nothing.