Living life with purpose rather than by accident.  Deciding in advance how you are going to spend, save, give and invest rather than just reacting to circumstances and pressures.  

Ultimately your success depends on the choices you make.  The choices you make are going to depend on your education - in a figurative sense what school you choose to go to.  The school of fear? The school of greed? Or the school of wisdom?

Most "professional" advice is tainted by organizations that are actually trying to stimulate your fear or greed in an attempt to sell you something. Friends and family are well intentioned, but sometimes lack the skills and objectivity to render meaningful advice to your situation.

The ability to put it all together.  Its the application of planning, education and advice in a manner that produces results.