Your beliefs and habits are more powerful than your desires. It doesn’t matter if you want money because, if you believe you don’t deserve it or don’t have any opportunities for it, then you won’t. It’s as simple as that.
Change must be on a non-conscious (belief/habit) level for it to truly manifest in our environment.
You can create the opportunities and changes through conscious decision, but whether you will continue to follow through with those changes will be a matter of habit. If long-term change is your goal, it must be formed as a habit first.