Whateva:
That varies from person to person.
Being a successful bb, as I know you are, you understand this comes back to exact, individual goal setting.
Having a clear, definitive plan, from early on, and seeing it through, no matter what the circumstances.
If it is what the individual REALLY wants, then they will see their goals through the rough spots of life.
They will not buy more house than they can afford
They will not piss their money away on gambling, cigarettes, and vanilla Starbucks Lattes
They will attend to their civic responsibilities
The list goes on and on...