I have read a number of responses here and some heated comments by a few. I will add a few things that I hope will provide some new context.

I think what the questioner is trying to point at is the so-called 1% club. Maybe even the top 10%. Going with that assumption, there are a few things I would say.

First, it requires planning. You have to know what your objective is. Without an aim, you are aimless. Is it to simply be financially independent or autonomous (having more help than you need. That help could be money, etc.) or is it to amass a great fortune? The two are quite different. If you are planning to to be financially independent, then it pays to plan to build passive income beyond your spending. Once all you basic needs are paid for, congratulations, you are free.

If, on the other hand, you are speaking of great fortunes, the map is a bit different. It would be a good idea to pick up books written by Felix Dennis and J. Paul Getty to get an idea of what kinds of sacrifice are required to amass huge fortunes. Most people are simply not willing to do what it takes to achieve this. I know I am not.

Our schools do not teach us how to be entrepreneurial or how to build something that will provide for us comfortably. That is unfortunate. Our schools are designed to churn out drones and to work hard and save while the market pulls an cajoles us into spending now at the expense of our futures. And that is exactly what some people do.

My dad worked 45 years at the same job. He busted his ass, saved like crazy, has a frugal/deprivational wife (mom), is now retired, has no debt, and is making more money in retirement than he did working. Is he wealthy? I would say, absolutely. Does, he have a great fortune? Definitely not.

There are different ways to get there. If you want to do it early in life, it requires taking risks, being willing to fail and again, having a plan. I wish I had had a mentor to help me figure some things out. As it is, I had to do it on my own. I studied, looked for credible sources, tried different things and failed. I am not a young man anymore, but I have a plan now. I have ownership in a company and I have a modest amount of real estate investments. Am I rich? No, but I have a wealthy life. And I hope to retire earlier than most do.

Finally, if we listen to society and the prevailing narratives and marketing campaigns, or worse, if we engage in magical thinking like The Law of Attraction and other equally asinine notions, we are destined to be hand to mouth, paycheck to paycheck. Nothing in this life is free. Get a mentor, make a plan and get to work.

EDIT: I just read this again and realized what I wrote could be interpreted as, you must go it alone and do it all yourself. That could not be further from the truth. NO ONE gets there alone. We need help and a lot of it. And, to the degree we provide help and value, and ensure reciprocation, we will reach our goals. Jobs didnt do it alone, Getty didnt do it alone, no one does. Surround yourself with people who can help you. Make invitations, offers and requests to help them in return for their help. Let the magic happen.