Real talk: Most people will probably never get to retire and never be rich. I used to think it is easy to get rich, too, but as I grew older, as the prices kept increasing yet the wages stagnated and remained frozen, I realized this was all intentional to keep the poor poor and working.
If people magically became rich then there would be no incentive to keep wageslaving any more so they would just quit, and how are the billionaire oligarchs going to keep getting richer then?
Even degrees don't mean shit these days. They're literally just a checkbox to pre-tick before a human even reads your CV lol.