Many people wish they started sooner. Almost nobody wishes they started later. - James Clear

How to see opportunities others miss:

1) Study a totally different field, then return to the original problem. Apply insights from other domains.
2) Invert the problem. Try to achieve the opposite.
3) Talk to hyper-creative people. Their thinking will rub off.

It's easy to assume that getting rich in money will also mean you are rich in time, but it is often the case that when you earn more money, you end up with less time and more responsibilities.

Being rich is nice, but what you really want to optimize for is
(1) an income that exceeds your spending by a healthy margin and
(2) a lifestyle that is free from rushing.

Work hard.

If results depend on effort, then you will carry yourself far.

If results depend on effort and luck, then you will have done what you can to influence the outcome.

And if results depend on luck alone, then the outcome is random, but you will have won the battle with yourself.