All true. I would add another - the richer you get, the more opportunity comes calling. For example, they call Architecture an Old Man's Game. No commissions those wild buildings you dreamt up in grad school.... until you're around 60. Only then do you have the connections, the clout, and the cash to pull it off.
Lots of professions are like that. Dreaming big is a long game. If you were in it for the cash, you wouldn't have played so long.