For someone to attain financial success they need to have both earning and money management. if someone earns well without control, they will later struggle especially if something unexpected happens. So as if someone doesn't have a proper source of income or low income, discipline alone cannot do much which will make you keep spending on bills always. With the way the Nigeria economy is, you need to have a good steady income and also be careful how you spend it. Real success is when you can earn, control your lifestyle, and still have something left to build for the future.
Yes this two key words earning and money management mentioned above are very important things to consider for someone fighting to attain stability financially at all cost. Before now most neglect the main aspect which is finance management and replacing it with constant spending without knowing it can never come back after spending.
Just as mentioned above, any willing to gain stability financially most never neglect the importance of finance management because that alone is the key to financially stability.