[header] How to make a lot of money by the age of 20 [title] Choose a business focus appropriate for your circumstances. [step] If you are 14 and still in school, dog walking is more appropriate, for example, than if you are married with a child and 18 years old. Focus your initial energy on figuring out who your business will serve and how. 
Identify a problem or inconvenience that many people have and create a business idea based on solving this problem. Think about what product or service you could offer.