all you need is creativity and resourcefulness to get richer. although that doesn't even guarantee anyone to succeed because a lot of people have been able to get the desired skill or creativity and resourcefulness and yet they aren't rich. sometimes after having these factor listed above, we still need to be patient and consistent till success is achieved. because in what ever you do, others also do it.
Maybe we can as well add luck there and then self-control or not being greedy because we can always lose what we earned if we are like that. But reading your sentence there made me think of the newly graduated students ( preferably the college one ) . They can surely relate with this and I feel sad about them.
If you have idea and money to start, you can start it and grow your business. But if you have career while you also have money, you can start your business with you run by yourself or hire someone. It need creativity and resourcefulness to achieve your goal and that will depend on what you have.
One of the resources would be money and it can also be the primary one. If we don't have money we can still use our creativity to obtain it. If we want to be richer, we can't just think of building more without also thinking of the things that we already built. Some can be contented already and some may not value money that much.