To build savings of $100,000 or more, prioritize financial discipline and educate yourself to achieve financial independence. Set aside ego and external perceptions; focus on core needs. For those struggling financially, cut down expenses significantly by stopping dining out and opting for discount groceries. However, if you possess a foundational skill set that allows for higher earnings, consider outsourcing tasks like cooking to free up time for income-generating activities. The key to building wealth involves making strategic bets on education, opportunities, and investments. Allocate resources towards advancing personal projects or businesses, accepting that initial costs like software or equipment are necessary steps towards financial growth.