Hard work and determination will lead to a good education and then earnings, investment comes once you start earning you look into the assets available at hand and then start putting money on them. For this a good income source is necessary and so is financial literacy. Most of the people dream big but they lack the first one, because they are not willing to work hard for a decent income. That is what youth is for, you earn now so you can reap in the older age.

Patience is important in making deals, observing characters and putting in the right investment at the right time. All these are virtues and the relative lack of them leads to a bad investor.