I’ve encountered plenty of bad luck along the way.The first little fortune I made I instantly lost in the stock market.The second little fortune I made, or should have made, I basically got cheated out of by my business partners.It’s only the third time around that has been a charm.Even then, it has been a slow and steady struggle.I haven’t made money in my life in one giant payout.It has always been a whole bunch of small things piling up.It’s more about consistently creating wealth by creating businesses, creating opportunities, and creating investments.It hasn’t been a giant one-off thing.My personal wealth has not been generated by one big year.It just stacks up a little bit, a few chips at a time: more options, more businesses, more investments, more things I can do.Thanks to the internet, opportunities are massively abundant.In fact, I have too many ways to make money.I don’t have enough time.I literally have opportunities pouring out of my ears, and I keep running out of time.There are so many ways to create wealth, to create products, to create businesses, and to get paid by society as a byproduct.I just can’t handle them all.Value your time at an hourly rate, and ruthlessly spend to save time at that rate.You will never be worth more than you think you’re worth.No one is going to value you more than you value yourself.You just have to set a very high personal hourly rate and you have to stick to it.Even when I was young, I just decided I was worth a lot more than the market thought I was worth, and I started treating myself that way.