The difference between the people at the bottom and the people on top is not money. 
Everyone thinks it’s money. Money is merely a byproduct of the positions we hold. Money is not the cause nor creator of a position. 
The people at the bottom of life are those struck with the pernicious disease of “I can't.”
At the bottom are people who try and fail at something — or never try at all — and subsequently decide that they “can’t” do it. 
I can’t do any better than I’m already doing. 
I can’t move any faster than this. 
I can’t afford it. 
I can’t help it that I have this habit — it’s just who I am. 
I don’t like this circumstance — but I can’t do anything about it. 
Once you decide that you “can’t,” the conversation — the one between you and yourself — is over. 
You’ve reached a conclusion and that’s that. 
The people at the top, though, look at things differently. 
They ask themselves, “how can I make this work?” 
I’m good, but… How can I get better? 
I don’t think I’m slow, but still — How can I be more efficient? 
I don’t have the money right now, but…How can I afford it? 
I’ve been like this for a long time, but...How can I change my habits? 
I don’t like this situation. What can I do about the circumstance? 
This — looking for how things can be done as opposed to mentally quitting on yourself — is the main difference between the winners and losers of life. 
Seems too simple to be true, huh? 
There’s something else to it. 
The “How can I?” thinkers aren’t blessed with additional resources that make the question easy to answer. 
They how-asker has the exact same physical resources as the I-can’t person. 
The person asking who’s asking how, may produce an answer that takes YEARS of work to become a reality. 
The winner asks questions that the loser doesn’t. 
What’s another way I can use these resources? 
How can I get more out of these raw materials than the mere sum of their parts? 
What other options do I have? 
“I can’t” is an STD. 
No, not a venereal thing. 
“I can’t” is a Socially Transmitted Disease. 
You weren’t born with the “I can’t” habit. 
You learned it somewhere, from someone who’d adopted it as their own and then passed it on to you. 
Naturally, you will one day pass it onto someone else. Probably a friend or family member. 
They will do the same. STDs become more powerful the more people who have them. 
That’s sad. 
Unless… 
Well, you fill in the rest. 
What unhealthy “STDs” have you contracted from associates of yours only to find out about it later?

By the way, if you’re ready to rid yourself of the quitting habit — physically and mentally — consult the following MasterClasses: 
#2: When It's Time To Quit (Yes -- There Is A Time)
#992: What To Do When You Feel Like Quitting
#745: Why You Need to QUIT, Right Now
#1278: The Winners: Those Who Keep Going
#460: How Persistence Overcomes A Lack of Talent
#123: How To Be Persistent