The secret to earn a wealth doesn't lie in working harder, but it lies in understanding the systems and ownership. Wealthy people don't just earn money but they create assets which are great investments for them in future. In schools and other educational institutes, we are taught to trade time for money, but the reality is totally different. Elite people use their minds in investments, properties and businesses to build their assets but they don't share these things to anybody. They don't jusy save, they also invest it to multiply. About 70% of the individuals have 9am to 5pm mindset but the systems are totally different. We are unaware of the real secret to earn money which elite people use. These are not found in mainstream education. We are a currency for our governments, they use more than a half of our taxes for their personal and rest for the public services.
Basically they learn how to make money work for them instead. The idea is that you should not have any money at all at the start, but plenty of people in the world happen to come to some money one way or another in their life, not everyone of course, but many people do, but most people just spend that.
If you are smart with your budget, you could always end up getting enough for a capital for a business, even if not enough, having 20-30% of it means you could take loan for the rest and start a business, and let it make money for you instead. Then, the more you grow, the more loans you take, and the loan will allow you to grow bigger and you keep doing that. Some bankrupt, and the ones who do not bankrupt end up being the rich we see.