As a start PAYG/JOB (Just over broke) and Income from labour are a start but not successful if you want to retire.
The better ones are income from capital investments and business.
Your goal within 3 years should be 60% of your income from business and investment.
And within 5 years 100% should be from business and investment.
The only people who think more about money than the rich are the poor. Oscar Wilde cynical but true
Which category do you belong to?