A bird may fly along and drop a seed and it lands in the perfect place and grows into a healthy plant. That is just the way it works. But a hundred other seeds may never grow to become a plant. It is same way for growing money. Money just drops in the laps of some but for others they are missing one of the key ingreients- fertile soil-sunshine or rain. Every plant has different requirements to be healthy and begin to grow...
At least you have a dream and good intentions...a seed and fertile soil.... You just need a little rain. I would say you need a plan to give your God given ability a chance to grow. I have been a teacher for a dozen years or so but I never made a living teaching. I went and worked at something else for few months and made quite a bit of money and now I get to teach some more without worrying about money. I took a few classes, sent an application, and started something new to finance what I really love... When we are unhappy with our financial status(That is not the same thing as a lack of money)...and things are in a rut...I believe it is a sure sign that we need to be growing in another direction...Go get some water...