Building wealth without a financial head start involves creating a budget, saving diligently, and investing wisely. It's key to focus on education, develop diverse income streams, and practice financial discipline. Patience and long-term planning are essential to overcome initial financial barriers and gradually accumulate wealth.

Making smart investments involves researching and understanding market trends, diversifying portfolios, and considering long-term goals. It's important to stay informed about economic factors, seek professional advice, and invest in a mix of assets to balance risk and potential returns.