We have to choose the right pieces and get them together , if we choose them wisely we will have a dream life and if not it will be full of dislocations and struggles!
Main parts of this puzzle are study, proper job , marriage, smart housing move and retirement plan! We shall Live like economist and study each step economically.
These things choose the right thing is easy to say for people who born with silver spoon and have more privilege to choose what is best for them since their are people even if they choose the right path what you said they cannot convert it to reality because we know how hard the life is and this is not fair to everyone. But I'm happy for people who rise from rag to richest because they are the instrument for other people to get inspired on what they achieve to follow what are the things they do to escape poverty.
I agree, for those who are born poor, these lists are not part of their puzzle pieces. People who are earning average, or those who are considered poor, work to survive each day. Only few people make it to the part where they will have to decide or even have the opportunity to make financial choices and live the life of their dream. The reality is harsh, the poor will remain poor and only rich people will remain on top. I am not saying this happens to majority of us, there are people who rise from rags to riches, it's all about grabbing the right opportunity and holding in to it. People should change their mindset that you need to get a degree to stay on top and that education solves poverty.