Making money isn't that hard, though it seems incredibly difficult.
Imagine I learned about compounding and the dividend stocks in my early 30s. Haha. That is too late for my judgment and growth. I kind of realized that life would be lot different if I had invested into the dividend income based stocks. Making money gets harder now that automation and AI is going to hurt the white collar jobs too.
I learned about it at school, did some economics at university, as well as accounting... When did I start actually applying it? nearly 40! :D
It is going to get harder in many process fields, as well as content fields that don't offer anything unique. But, there are other options, for now too.