Excellent advice!
I would like to expand on "it’s not a sin to be rich". There is a social attitude that being rich is somehow bad or evil. This is quite illogical to me, when we take in consideration that, for example, intelligence is a trait that is highly admired.
Why is it illogical? Well, intelligence is something that you exclusively get through genetics, it's not something that you create. On the other side, wealth is something that you partially get, yes, but partially create and work for, too.
Cheers! : )
I've seen many people come from very bad backgrounds and made it big time. Why, because they made it their ambition to succeed. They took themselves through hard-knocks 'collage' and read books for free at municipal libraries to educate themselves.