13:18 Poverty and disgrace come to him who ignores instruction, but whoever heeds reproof is honored. ESV
The opposite is to love instruction. I was not a great student in my teens, I was somewhat a late bloomer. After finding Jesus I had an insatiable appetite for knowledge. I barely read a book in school, I've made up for it over the last 40 years. I've consumed fiction, non-fiction, theology, leadership, business, finance, politics, technology, world affairs, economics, and of course the bible voraciously.
Instruction has also come from being around people I respect and modeling their experiences to augment mine. I have also learned from people who've had failures, including my own.
20:13 If you love sleep, you will end in poverty. Keep your eyes open, and there will be plenty to eat! NLT
You cannot escape hard work. More than that I think you need to learn to love hard work. There are no shortcuts to the land of plenty. Work smart, sure, but I have not seen many successful people who have not put in 50+ hour weeks consistently.
It helps when you do what you love for a living, but that usually does not happen straight away. Sometimes to get to that point you work hard at things you don't love so you can work hard at things you do.
11:3 The integrity of the upright guides them, but the crookedness of the treacherous destroys them.
I guess it goes without saying if you are a Christian you will act with integrity in your work-life but it is not always so. It's the smallest of things that determine God's favor and blessing on your life. I firmly believe, God is watching how we live our lives, how we do business, how we treat the "least of these".
Crookedness also means viciousness or perverseness. We all want to win, we all want to succeed, how you get there is as important as attaining the goal itself.
21:20 There is precious treasure and oil in the house of the wise [who prepare for the future], But a short-sighted and foolish man swallows it up and wastes it.
Wealth grows over time as you spend less than you earn. This may be the hardest lesson to learn. Human nature is always wanting to spend more, have more, and live beyond our means. If you are in your twenties and you give 10%, invest 10%, and live on 80% you will be almost guaranteed to have more than you will ever need to live a prosperous life.