As Confucius said, "Find a job you love, and you will never have to work a day in your life."Whether you are an employee or self employed, try to go into a low competition, high demand field.
Invest in a good education in a high demand field, but if you can help it, don't go into debt to do it unless there is a relatively certain payback, such as with a medical degree. In general, the higher level of education you have, the more money you will make. However this can vary depending on the field you are in.
A good article on which degrees are worth the money is, "Is your degree worth $1 million -- or worthless?"
Also the article "The Big Payoff: Educational Attainment and Synthetic Estimates of Work-Life Earnings" is a good read and shows the average incomes for different education levels.
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