I think you missed a point, which is What problem must I solve .
This is what the rich always tell to the people asking for their advice on how to become wealthy. These wealthy people have solved problems that probably some have already solved but they have a better solution to these problems. It takes them a lot for making it possible for them and that's what they can do for the others. While some says that don't think about the money and do what you want to do and money will follow you later. It's easy to say that when you are in a better situation than the rest of the world.