How can ordinary people achieve financial freedom without relying on luck?

The core is four words: Productize Yourself
Naval's wealth wisdom provides a clear path for ordinary people:
1. Distinguish between "Money" and "Wealth"
Money = a tool for exchange
Wealth = assets that generate income even while sleeping (equity, content, products, intellectual property)
→ Stop just trading time for money; own vehicles that can generate ongoing income
2. The three most important life decisions
• Who you spend time with (emotional environment)
• What you do (growth rate)
• Where you live (opportunity density)
→ Choose positive, upward circles, things with long-term value, and cities with high opportunities as much as possible
3. The three-step method to productize yourself
① Find what you are "naturally good at" (something others find hard but you enjoy)
② Confirm there is genuine market demand for this skill
③ Use leverage (coding, media, content, automation tools, etc.) to amplify efforts, so one effort reaches N people
4. Iterate > Repeat
It’s not about mechanically working for ten thousand hours
Instead: review, optimize, and upgrade after each attempt
Also, guard your attention carefully—avoid being drained by fragmented information and ineffective social interactions
In one sentence:
The true way out for ordinary people is—
Clearly pursue wealth rather than just chasing money → choose the right circles/track/city → find your talent + leverage + continuous iteration → live yourself as a sustainable value-generating "machine."