Skills will definitely take someplace.
Having a Network would speed up your success and level up where you want to go. 👆
Even if you're not that skillful but you have the right established network, you can be financiallu successful!
Saying no won't make you less of a person.
It takes a while to eliminate or at least minimize the feeling of guilt, but I have to prioritize myself, because how could I help people in distress if I, myself, am in a quagmire?
The biggest lesson I've learned (since pandemic), is that no matter how much money you earn,get and give, time is still the best one you can give yourself and others.