Just to add on your list:

I think you should also consider maximizing your opportunities are these are what skyrockets the gains of an individual person. There are people na may ganyan din mga traits and characteristics pero they should know on how to maximize the opportunity given to them. Minsan kasi, may mga tao na matiyaga at matalino pero hindi sila nabibigyan ng opportunity. Pero din iba na wala silang mga traits na ganyan and nasayang nila yung mga opportunity na ikayayaman sana nila.