When it comes to wealth different people has different views concerning it some consider wealth as sometimes that has it own time so when it gets to your time you will become wealthy but the fact is that wealth is one thing that is created over a given period of time and since it's created their are steps that you need before wealth can be created and one of such steps is to change your mindset and believe system that one has concerning wealth because the fact is that true sustainable wealth is created via investment that returns profits on investment and has a great potential of growth over a given period of time
When average person I've encountered hears the word "investment" they have a pre-formed opinion that it is a scary word meaning a lot of risk - most are content with just storing their money in savings accounts and may not realize their pensions are likely invested heavily in the stock market. The only way to overcome these sort of fears is self education and understanding the investment has some risk, but the returns are much greater than you will find in other places and it's how the richest put their money to work. If you want independence in life and not work until you drop, then you need to make your money earn more money in the most effective way.