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The treasure that is meant here is not only about gold bars , it could be a source of wealth, daily income, money forever in the wallet and bank. Those who administer life like this focusing on a treasure which could be impossible to achieve may land into despair. Each moment of their waking would be put to utility, if the mind is pressured to find means . How could one achieve a treasure when he only has limited skills, no experience and lacking education? Though there is no guarantee for an individual who finished a four or a five year course, but there is an assurance of a better job rather than none at all and only rely on luck. In this digital world, everyone is competing , it is like elimination of the unfit and survival of the fittest. So, while there is enough time, it is better to build your finances in a most decent and challenging ways.