Building wealth isn't luck — it's a formula.
Wealth equals Income plus Savings, multiplied by Time and Rate of Return.
All sources of money: salary, business income, side income, rental income.
The percentage of income consistently saved and invested — modest improvements compound significantly over time.
The most powerful variable in the formula, enabling exponential compounding effects.
Annual returns on invested assets — even small percentage differences produce substantial long-term variations.
These silently erode wealth if left unmanaged.
High-interest debt works against wealth accumulation.
This framework removes the mystery from wealth building by turning it into a systematic, actionable equation applicable to anyone's financial situation. It connects directly to the Rule of 72, the Financial House, and the X-Curve.