I think you can get from level 1 to level 4 just by being careful and wise. You might even get to level 5 by the time you die. But level 6 will require taking

I think you can get from level 1 to level 4 just by being careful and wise. You might even get to level 5 by the time you die. But level 6 will require taking risk and that risk paying off big-time. Usually it requires taking several risks. Jay-Z got from level 1 to level 6 by taking the risk of going public with his craft. He decided he would put in the work, make the connections, and not fear the rejections. The reason entrepreneurs get rich is they take the risk. There is some luck involved but most people (me included) aren't willing to risk their current level to level up.