The factors that contribute to wealth can be described in English as follows:

1. **Income**: Regular earnings from employment, investments, or business ventures.
2. **Investments**: Strategic allocation of funds into assets such as stocks, bonds, real estate, or other ventures that can generate returns.
3. **Savings**: The act of setting aside a portion of income for future use or investment.
4. **Education and Skills**: Knowledge and abilities that can lead to higher-paying jobs or entrepreneurial opportunities.
5. **Networking**: Building relationships and connections that can open doors to new business opportunities or investments.
6. **Risk Management**: Understanding and managing risks to protect wealth and investments.
7. **Work Ethic**: The dedication and diligence in one's professional or business endeavors.
8. **Financial Literacy**: Understanding of financial principles, budgeting, and money management.
9. **Market Trends**: Keeping abreast of economic and market trends to make informed decisions.
10. **Government Policies**: Tax laws, regulations, and incentives that can affect wealth accumulation.
11. **Lucky Breaks**: Unexpected opportunities or events that can significantly boost wealth.
12. **Innovation and Creativity**: Developing new ideas or products that can lead to financial success.
These factors can interact in various ways, and their importance can vary depending on individual circumstances and goals.
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