While continued education is often an answer, you can also look for opportunities in your current job, or by creating other streams of income. In your own job pay attention to specific trainings that can lead to promotions, or consider vertical job moves for the long term skills that will lead to horizontal job advancement. Also, consider looking outside of your 9 to 5 job, which probably has an earnings cap, into things like network marketing, investments and home based businesses that can provide extra revenue streams. Nevertheless, life-long learniing is never a waste of time.