If you are like most people, you either secretly or openly hope to become wealthy someday. But the question is, have you for once considered, deeply, what the financially intelligent do to become wealthy and to keep their wealth?

We all hope to live a good life and have the things that make us happy. And getting wealthy is part of the process of living an extremely comfortable and successful life. Of course, it isn’t just about you. Having money allows you to touch lives and to change destinies. We see this when successful people build community facilities, sponsor individuals and do other amazing work for others.

When it comes to wealth creation, it is often the easy way we take. We look at the super-rich and call them lucky. “Oh, he had a big break because he was lucky. I am not that lucky, you know”. It is easy to imagine them as people who have had it all right from being babies.

The truth, however, is that being wealthy and rich takes a lot of effort. It takes a deep understanding of money, how it works and how to make it. It takes a great level of financial intelligence, taught or intuition-based. We often do not see the passion in their eyes that makes them do the things they do. The public is often also blind to their struggles. This is often because few people were there to witness their beginning hence we have a fixed image about them from when they achieved their success and gained wealth. 

It takes massive action backed by sound financial intelligence to achieve any amount of substantial income, wealth or riches. And as Napoleon Hill rightly put it, you can Think and Grow Rich just by understanding what the wealthy people do.

Most people listen to what they say, such as save, get a job and live a frugal life. These ideas are okay but they won’t make you rich. No one has ever saved up to become extremely wealthy. 

These are the real things the wealthy people do. 

NB: Not what they say but what they do.

10 Things The Financially Intelligent Do Differently About Money

1. Financially Independent People Have Clear Financial Goals

Having goals is a general rule in life. Having goals for specific things such as financial goals is even better. 

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Nest the specific goals into the generic life goals. 

For instance, everyone wants to be happy. For some being happy means being able to buy a house so they can finally have their own space. This life goal has several implications some of which are financial. Determining the time, you need to meet this goal will help you plan your finances. If need be, find other revenue-generating avenues to complement your current sources of income.

 When setting goals, the simplest effective method is the SMART goal setting which provides a framework for accountability and actionability of your goals. 

2. Constantly Looking for Opportunities to Put Their Money to Work

One thing you’d often hear in the financial advice circles is to save money. As far as this is often said in good faith, saving only ensures your money loses value in the long run. 

Most banks provide a meagre interest rate for savers. This means that if interest rates in the country are lower than inflation rates, your money loses value as the years go by. Don’t be surprised when you finally go for your money and it can’t even afford the items it could before storing it up in the bank. Imagine saving 5,000 cedes in the year 2000. That would be 50 pesewas in modern-day Ghana. 

This isn’t limited by country or currency. The same logic applies.

This doesn’t mean saving is bad, just be watchful of the reasons you save your money for.

But what then to the financially intelligent do? They invest and build businesses. Businesses and investments provide a stream of income that provides a constant income. 

3. Wealthy People Know that Sacrifices are Necessary 

Success, the goof life, money, and everything worthwhile in this world involves some form of sacrifice. Now, often, depending on the size or significance of the goal that could mean a variety of things. However, in general, sacrifice often involves something we love. 

Hard work is surely a sacrifice. A sacrifice of time, energy, doing other non-work things, missing family and so much more. The more you work, the more these things get sacrificed. 

Investing is a sacrifice. A sacrifice is done in the now so that a better future may be secured. But it comes at a risk. Not all sacrifices bring returns in the future. It is evident in how hard others work for minimum wage and never get to see a glimpse of a better life.

That is the inherent risk you must take. The financially intelligent have come to terms with this basic maxim of life. To become like them and even better than them, you too will have to imbibe the truth and necessity of sacrifice.

4. They Maintain a Positive Attitude Toward Money

Being positive plays a huge role in life. And also, in becoming and staying wealthy. People have become rich and, in a few months, or years, have nothing. Lottery winners become millionaires through games but their lack of a positive mind and attitude makes waste their wins as most of it gets squandered. 

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Possessing a positive attitude starts with having a positive mindset. It takes a positive mind to take a risk. 

Understanding that things can and will get better will help you to make the decisions and act in a way that will naturally bring that to pass. 

5. They Operate within the Investor and Entrepreneur Quadrants

For most people, being employed isn’t a decision they make. It simply what they feel is natural. But career decisions must be taken on a conscious level and such goals must be well aligned with your life goals. 

If you want to become a millionaire in a few years, you know a job will in 99.99% of the time not be able to help you achieve that.

This brings the conversation back to having goals. Without goals, how do you even know which path will lead you to where you want to go at the time you want to get there?

You can always travel on foot, aeroplane or any of the other options. But which will get you there on time?

Robert Kiyosaki, explains that we all have the choice to play within several quadrants in life. They are employee, self-employed, business owner or an investor. You can also combine a number of the quadrants.

He says the rich mainly operate in the business owner (entrepreneur) and investor quadrants. Most people in the employed and self-employed fields will find it difficult to become wealthy doing that alone. 

6. The Financially Intelligent Position Themselves to Attract Wealth

Money is also called currency. And money flows from one beholder to another. To be wealthy, you need to be able to attract most of it. 

This could be done in different ways but the main message here is to find ways that put you in a position where people will be willing to freely give you their money. Of course, for something. You don’t get rich taking handouts. 

As a business owner operating in that quadrants, you get to provide more value to more people who all pay you for the value rendered. This is a scalable way of making money as you could build a system which works even without your constant physical presence.

The mention of value is intentional. The only real and sustainable way to make it in the business owner and investor quadrants is to provide value. 

People are constantly in need of something. If you can build that gives constant happiness, you’d be the richest person. Think in such terms. 

7. Make Use of Resources Especially Human Capital

If you don’t need a team, your dream isn’t big enough. You have no vision. We all need people in some way but to do truly remarkable things and touch many lives, you need a team. 

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Robert Kiyosaki was bold enough to say an entrepreneur’s team is more important than money. And I find this stunningly true. You simply can’t do it all. Hence the people you surround yourself with will determine how far and fast you can go. 

It may take some effort from you but ask yourself if it is worth it. It mostly is.

8. Find Ways to Cut their Taxes

Taxes often are inevitable. Conveniently, they are also the silent takers of your income. 

Of course, taxes are needed to develop the nation and the world. So, a safe way to do this is to know how taxes work and which taxes you are obliged to pay and which ones you aren’t. 

For certain ventures, there are tax holidays which you qualify for but never apply because you have no idea they even exist.

The financially intelligent make it their business to know the tax system. Or to hire someone who knows the tax system enough to make a difference in their tax obligations.

9. Leverage Other People’s Money

It is common advice to get out of debt. But they don’t add that you should get out of personal debt and use business debt to grow. 

Most startups need funding: Loans and Debt. Some of them obtain funding through investments when they sell some part of their equity in the business. That is only possible when someone believes in your idea else you may have to seek good old debt.

The mindset of the financially intelligent is to use debt to grow and to generate an income that allows them to pay back with profit and a stable venture. This way, you get to use other people’s money for good.

The trick is to be extremely disciplined as the feel of “Free money” could get you into trouble if you spend it unwisely. 

10. Financially Intelligent People Stay Away from Personal Debt

This point has already been introduced in the previous point but this is very important and worth reiterating. Stay out of personal debt at all costs. 

This doesn’t mean you shouldn’t use debt in situations where it is simply inevitable. It is common for people to go into debt to buy phones and other lifestyle things that do not bring a return. 

Imagine you aren’t working. You get into debt to buy a fridge which brings you no income. How will you pay the amount back?

At best use it for life and death situations and when you are sure and have a plan on how to pay it back. Financially intelligent do not get rich by incurring debts they never pay. Remember, a Lannister always pays his debts.


In sum, much of it is discipline and a good grounding in financial education. Not the buzz advice but real advice that actual rich people use to get to where they are now. 

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My name is Enoch Weguri Kabange, I am the CEO & Founder of WordInspired Media. I am a dream chaser who has gained a wealth of knowledge in entrepreneurship and personal development over the past years through self-education. My mission is to inspire millions of people to become entrepreneurs by motivating them to their greatness that resides within them.

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