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Your education can be a big affect on your income because better education can get you a better job with more income.
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You job determines your income. If you have a dangerous job or a job not many people can do you will get payed more.
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What you do with your money affects you a lot. If you go around and spend your money on stuff you don't need you will have no money. But you can invest your money and try to make some money.
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I want to go to groove u for studio and live music and to make money I can create my own music and work in a studio and play for people if they need a musition.