I think the number one people arnt well off is because people only dream about money, aren't actually really dedicated to working out how to get it.

I've significantly increased my salary, job happiness, and working conditions by actively trying to shape my life and my job(Changing jobs as necessary). I've significantly cut down expenses. Resulting in me being fairly well off.

Being fairly passive about may work, or may not work. I know plenty of brilliant people who love their work but get paid terribly for it.

My strategy is actually fairly reproducible, instead of relying on luck.

I've also found that all else being equal(same industry etc) salary is the number 1 indicator of respect on the job.