I learnt recently that if you know the purpose of something and pursue it, excellence is inevitable.That's why couldn't see this alone because what is this wisdom?
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Making Money is action.
Keeping Money is behavior.
Growing Money is Knowledge.
Having just knowledge with a good way to put it to practice might is just same thing as not knowing anything at all.
And just as you said making money is action but if you ain't skillful you'll only just be wasting your time.