You are so on point on these you have said. We need to be of value before we can attract what is used to determine value which is money. However, I am of the opinion that a person may do all these you have suggested, yet unable to rise up in life. What I think is missing is that all must join hands to enrich ourselves and others in our environment; intellectually, spiritually and physically so as to stay motivated while we do all what we do.
This is true @ojebaba ... The environment we are in has a strong force that it exerts upon us. This is not always the limit of who we are ... When our environment challenges us it gives us the opportunity to grow. When we have grown all we can we must leave and move on
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