Money is time. With money I buy for cheerful use the hours which otherwise would not in any sense be mine; nay, which would make me their miserable bondsman.
The more specific and measurable your goal, the more quickly you will be able to identify, locate, create, and implement the use of the necessary resources for its achievement.
In my mid 30's, after a decade or so of giving full time to the music thing and finding myself with about $10 in the bank and no assets other than my musical equipment, I realized I needed to get serious about making a living.