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Trying to make a feature film yourself with no money is the best film school you can do.
When I'm really depressed because I have no money I buy a bottle of champagne with my last pennies - it's the best way to cheer yourself up.
Money begets money. If you don't have that, you wait around to be hired by somebody at the mercy of others. If you have that money in your hand, you desperately try to make the best use of it and move ahead. And that's generating income for yourself.
If you're just starting out in the workforce, the very best thing you can do for yourself is to get started in your workplace retirement plan. Contribute enough to grab any matching dollars your employer is offering (a.k.a. the last free money on earth).