Part of the misfortune with making money early on is that I never learned how to manage it, or save it, so I had no savings within a few months of leaving Florida. Having savings would have made a lot of the struggle much easier, but I don't think I would have learned as much, either.
I honestly would not say I have "immense talent"; that makes me kinda uncomfortable, actually. I'd say I have average talent, and immense determination, if anything.