Health. And it's increasingly harder and harder.
Knowledge of how to overcome unnecessary worry.
IMHO, discounting health, a fully paid home where you can live.
Effective, secure Shelter that you own and control.
A towel.
Know the odds, this should be a starting point https://en.wikipedia.org/wiki/Pareto_principle You will find it applies to most life experiences.
Well, first you probably need to state what your goal is…?
An array of solar panels large enough to charge your home and electric car as well as a battery backup.
health. everything else comes secondary.
Access to a decent healthcare coverage.
Health.
Health.
Mindset. Imagine you are made destitute and thrown on the street. Even without connections, a former billionare will rise faster and easier than someone used to poverty. Knowledge is secondary and requires that same mindset to make use of. Of course money alone doesn't grant the mindset, but those with it seem to rub off and consider things differently. Such as Creating Wealth rather than Looking for a Job or handout.