Its not money, per se.
I see many of my friends not able to solve their problems( which seem quite simple at this point).
Its a base heuristic, which I use often, whenever I encounter a real world problem.
Its leveraging use of personal connections, focus( people dont really know what it means, and even I am exploring it continuously), and self belieft.
I spend a lot of time actually trying to understand the problem, and thinking very hard, before I solve it. And I figured very less people( <1%) even understand what the problem is. That’s why progress is so slow.
The way to develop personal connections, is taking great care of the people you are with, and helping them grow. Nothing beats that. And being kind and helpful to everyone.