No matter how bad the things will be in the world If you keep this in your mind you always will be better even in the not best times.
So before you even talking about money you need to focus on those 3 things If those 3 things you have then you don't need to worry about money.
The problem is not how to make money but everyone is too greedy to make a lot of money in the near future. This is a problem for some people so they forget the initial plan to start building financial strength properly. You give a good picture as an effort to get an increase in financial matters but most of us are not consistent in implementing certain strategies in achieving financial freedom.
But the picture is general because to achieve much better finances it takes a plan, capital and hard work in an effort to build success. A person will get wealth based on his hard work and it doesn't happen quickly through an easy process because there are times when we experience failure many times before achieving success.