I am a 15 year old, so I probably am very uneducated about this. However, from what I've seen, the way that Capitalism and this system is designed is like this: Work forever, work very hard, be valuable to us, and maybe we'll allow you to become rich. Maybe. You gotta work hard, though, or you'll be broke forever.
I've seen influential figures like Andrew Tate (I used to watch him a lot… but uh, since I have no interest in constant work, and I don't care too much about being attractive to every woman (1. I'm asexual 2. I already like someone who I've liked for 2 years), there's no reason for me to watch him much) talk about how it's important to work hard forever, and not care about feelings. And then they talk about how it's the only way to beat the system (or the “matrix”)… Yeah, I'd like to avoid becoming a slave for the rest of my life until retirement. But their advice seems to be keeping you in the system. Their system. They're elitists, basically.
This is basically my plan: I'll buy some boat (to live almost rent free) as a home (temporary home most likely), get a job, earn enough so I can pay for necessities like food and water, and save up until I actually have a lot of money. If I live on a boat and not some expensive apartment, maybe I can save up more money.