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CAE_Jones comments on Open thread, Nov. 24 - Nov. 30, 2014 - Less Wrong Discussion
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It seems that, in order to accomplish anything, one needs some combination of conscientiousness, charisma, and/or money*. It seems that each of the three can strengthen the others:
If someone lacks all of these resources severely enough, is there any way to correct that? It rather seems like the answer is "no, but most people can't imagine someone with that much of a deficit in all three at the same time".
* Yes, I could have gone for alliteration with "cash", "credit", or "capital". Money seems different enough that the dissonance seemed like a better idea at the time.
This is not exactly a reply to your question, but I think your question is fits this dynamic:
Miller's Iron Law of Iniquity
In principle, there is an evolutionary trade-off between any two positive traits. But in practice, every good trait correlates positively with every other good trait.
http://edge.org/response-detail/11314
Don't start with the resources you lack. Start with the resources you have and then look how can you utilize them to achieve your aims.
... bearing in mind that "ability to discover new resources" is itself a resource, too.
All of those things can be mitigated by other traits. Connections can be useful even without very much charisma. Cleverness can lead to pretty good earning potential even with relatively little conscientiousness, and may help one think of ways to improve charisma and conscientiousness. At any given level of earning potential, being cheap ("frugal" would be a better word but begins with the wrong letter) eases the transition from gradually sliding into debt to gradually accumulating savings. Other aspects of character besides conscientiousness make a difference -- e.g., a reputation for honesty may be helpful.
Given a bad enough deficit in everything that matters, it's certainly possible to be so screwed that recovery is unlikely. It's also possible to overestimate those deficits and the resulting screwage, e.g. on account of depression. There's probably a nasty positive feedback loop where doing so makes getting unscrewed harder.