You're first step is to switch mindsets. You see it as taking risks versus hard work, then placing value on them. I see taking risk just hard work. Just $500

You're first step is to switch mindsets. You see it as taking risks versus hard work, then placing value on them. I see taking risk just hard work. Just $500 left in my checking account? Work harder. No college degree? Work harder. Work hard to be able to take risks. Everything else will be crystal clear thereafter.