Final answer:
One of the most effective ways to accumulate financial wealth is to complete additional education and training after high school and start saving money early in life. This allows for the possibility of saving for future expenses and having discretionary income to invest or donate to charity.
Step-by-step explanation:
According to financial experts, it is difficult to predict stock market changes and choose stocks that will rise in the future. Therefore, investing in stocks or real estate can be risky. However, one of the most effective ways to accumulate financial wealth is to complete additional education and training after high school and start saving money early in life. This allows for the possibility of saving for future expenses, such as retirement, and having discretionary income to invest or donate to charity.