It takes consistent struggle to be able to realize what we dream of because without going through the process we go through then our dreams cannot be realized. If we have a dream then it would be better for us to try to achieve it and go through the process so that we can realize what we have dreamed of. You are right, we will not be able to get whatever we dream of without trying to go through the process that must be gone through and it will be more satisfying if our dreams come true after going through the existing process.
No doubt we need hard work to fulfill any dream but you have almost repeated the same thing in your post that we should dream and then act on it. Although the main point of this post was that we should use our income to invest, meaning that instead of always keeping our money, investing it elsewhere is a better strategy.
Whether one has more or less wealth, one always has to invest his money in different places to maintain it. You can make big capital from small capital, but for that you have to go through a learning process. If you do not know the art of earning from small capital, you will not be able to earn from big capital either. The purpose of keeping your money in circle is that whenever you get a good return on your investment, you can take the profit and try to reinvest it somewhere more suitable.