When I talk to normies aka poor people, usually they will emphasize a frugal lifestyle and more savings. They rarely think or advise you to invest more, and buy stuff (even if it’s expensive) in order to improve your work. Rich people think differently, they will prioritize productivity as #1, and as long as it improves their work and productivity, they will spend money.
Yep, a stream of multiple, individual cash flow is the key. It doesn’t have to be “passive” since you’ll need to manage it anyway. After a long time when it is stable and doesn’t need your assistance, then it becomes “passive.”