Those people around us who are highly successful, also do lot of homework on a daily basis. And to be successful , we also need to do effective home work every day. You need to just spend around twenty to thirty minutes every day to learn at least two things in the are of interest for you.
That process over a period of time will enhance your knowledge basis which in turn would help you take informed decisions on all your issues. We need to just realize that learning is a continuous process, which yields results only over longer term. Also when you stop learning after some time, the negative impact of that will be felt only few months or years down the line.
And there is solace for the majority of the people who are just reasonably successful , say hand-to-mouth. Nearly 80% of the people are in your group, so for whatever reason you are in this group, do not feel bad. And there is a big incentive for you to change yourselves and start the learning exercise.
Learn at least two new things every day