One thing I learnt in coaching is that first you need to be the change to change the world.
You as an individual can do a lot, without spending a penny. You have so much that you can share and yet receive it back in abundance. In the following list, money is not even mentioned.
How you respond to life situations displays your maturity as well your awareness about yourself. The crux of all your education, degrees and experience should build you into a person who knows exactly how to respond appropriately in every situation.