Money is certainly important in the 21st century, but there are many examples when ladies choose guys with different abilities than money.
Most girls are interested in you first, not your money. Do not dwell on your financial situation when dealing with a girl. If she loves you penniless, then this is your soulmate.
Very often, ladies encourage men to do great things and this gives a man the motivation to earn more. So before increasing income, it is important to establish a personal life.