I have a lot to learn...
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IP:
I'll give you a tip about money... As soon as you stop giving a shit about it, things get better. When I was growing up I always worked shitty jobs at fast food places or supermarkets or whatever, and I cared so much about money and basically never had any. As soon as I stopped giving a shit, the money started piling up. I basically don't even work anymore because I'm at university, all I do is freelance IT shit. And I drive a Lexus with the name of the IT company as the number plate. Money problems don't exist. Sure, there's stuff I can't afford... But is that even a problem?
There are ways to make money while caring about it though. You need to be a sleazy fuck, and exploit the shit out of people. Just trick them into thinking they want what you have.
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