Ask HN: If I am so smart, why I am not rich?

I grew up very modestly, borderline poverty. None of my extended family/friend went to college, I was the first one to graduate from college later in life. I was always a good student A- since it didn't come easy but I was eager and motivated to put the time and work to achieve. When I was 18 with a few buddies we started a "fun" business and it was mildly successful. When I tried to start another business everyone told me that I needed an education (college). Fast forward a couple of decades I have my BS and MBA,with a decent career in high tech (operations). Through the years I have started a few projects and they all failed (my bad), at the same time I have been working for entrepreneurs who are able to make a pretty good living with mediocre ideas and bad management. I am now at a point in my career where I have the time and some funds to start something, but I am stuck by "analysis paralysis". I know AI is a great opportunity, but I can't find a