The key you need to gain and retain money is just a good financial education that contributes with the foundations needed for you to think and act.
Everyone wants to make money (some more than others), but if you really want to make money in the best way possible and for longer, the worst decision you can make will be to go out right now and try to find a good job hoping to stay a long time on it, because even if you find it, you will never have the certainty of getting the money you really want, and worse, if you get it, you may be unable to keep it, and then you will always depend on others. Remember that lifetime wages are long gone.
Keep in mind that it is not just to make money. The fact that you earn a lot of money today is no guarantee that you’ll have it tomorrow. What this really is about is that you retain that money, and your children and grandchildren should also benefit financially from what you’re doing today. So no matter how much money you make; the important thing is how much money you are able to keep, and for that there is no magic formulas or recipes.
The most important thing that you really need in order to earn and retain money is a financial education that will contribute to a good foundation for thinking and acting from the conviction that you are never going to achieve economic independence by having a good job nor even working on your own, literally forcing you to crush yourself hour by hour to more or less satisfy your basic needs and indulge yourself with an occasional treat. Always keep in mind that you deserve more than that.
Do you think you’re a person prepared to win and keep money? See if it’s true; try to answer this question as honestly as you can: Do you really know the difference between an asset and a liability? If your financial knowledge is what most people has, maybe you’re acquiring liabilities believing they are assets; and the worst is that without realizing it you’re building your own financial problems.
From a practical perspective, the first and most important rule to make money and keep it is to acquire assets, because as Robert Kiyosaki (author of Rich Dad Poor Dad) says, assets are those that put money in your pocket while liabilities will extract it (sometimes without you even realizing it). The difference between your assets and liabilities is your Net Worth. Until you assume this basic principle, you will find yourself with serious difficulties in making judgments and taking the best financial decisions on how to earn and keep your money.
Above all, remember that your time, your knowledge and skills are very valuable to only be exploited by others. Avoid selling your time in exchange for money; Use it rather to learn, design, build and implement a system that is able to generate money for itself.