Getting rich is everyone's desire, but the way to do it, the way of thinking, the way of management and the ability of each person is different. It pushes each person to find their own way, their own plan, their own goals. I think there is no common standard for it, everyone has their own advantages and disadvantages so there is no optimal way to do it... I am not rich and I am also looking for knowledge and learning to gradually build your goals and plans. I think knowledge, studying hard, self-management, planning, goals and investing are steps closer to making more money, but being rich is a longer distance but must go step by step.
True, indeed in my opinion everyone would want wealth in terms of money and assets, also financial freedom. But this in my opinion only applies to people who have good thinking, smart in various ways such as what you say is money management, how to think. these two things are certainly not owned by everyone, because basically everyone's thinking is different, they have their own way to achieve financial freedom, but the main goal is indeed wealth or financial freedom.
Of course, to be able to reach or be at the point of wealth of money or assets we have to work hard or by doing everything that triggers wealth, such as investing or working hard at a young age. Also to get to the point of wealth we have to go through everything well, including risks. Because risk is definitely there, but only a few people can face risk well, many when they work hard and experience a point of risk they tend to choose to give up, in my opinion it is not wrong if there is a strong reason. But the good thing is that we must be able to face the risk well. And it's true what you said, knowledge, enterprising, self-management, and investment are steps as well as factors to reach the point of wealth.