I heard this fellow Tom Corley interviewed on the radio last week. He studies the life habits of prosperous people compared to less prosperous people.
He said nothing surprising. For a few examples, he said the prosperous tend to delay gratification, exercise, set life goals, make life plans, volunteer, severely restrict their kids' TV and computer time, set examples of hard work and self-discipline for their kids, to be constructive with their time, and to be frugal except in matters of health and charity.
Sounds old-fashioned, doesn't it? Socio-cultural-character tendencies. These things have not made me rich, but they have made my life better. People tease me about my frugality, but I am never frugal about truly life-enriching things and I hate being slothful. God did not make me to sit on my butt.