I agree with scramble partially you must save and invest some of your money, however, I think that the best way to create wealth is to work hard. In any society, in any economy the value of a hard worker is greater than almost anything else. I look at people that I know that have done that and been very successful financially. If you look at many of the great philanthropists of our time you will notice that that is one of the common threads in their lives. Investing money is a great way to create wealth but it is only half of the equation, investing time is the other half.