There are two key factors to consider when determining whether you're growing: First, will what you're doing now be reusable and continue to benefit you ten or twenty years from now? If not, you're probably just struggling, not growing. Second, does what you're doing now carry the risk of ruin? If so, even if there are short-term gains, it's a gamble that won't lead to long-term growth. Master these two factors and give them time. Over five years or more, you'll be surprised at the extent of your growth.