Take More Risk to Become Wealthy Insanity is defined as doing the same thing over and over again and expecting different results. By this logic, if you're looking to change your current financial state, you'll need to start handling your finances differently. The biggest change you most likely need to make is learning to take risks. All financially successful people have taken risks to get where they are, and they are successful because they manage rather than fear these risks. Taking risks means not always being balanced and safe with your money, which is what you're doing when you put it in basic checking and savings accounts at the bank. Taking bigger chances and handling the bigger risks they present is necessary in order to start making a bigger income.