Yes my point is always improve and grow as a person as a means of building wealth. Consistent improvement on a personal level is really the only thing that seems to work to improve financial health.

Of course some liabilities you can't do anything about. You cannot make yourself taller or run faster. You can gather more knowledge though, so if you read several books a week then you will at least be using your brain. Stephen Hawking is inspirational because he has many disadvantages at this point but still manages to leverage his (brain) knowledge. I admit it's very rare what he has managed to do but it sets an example.