It may seem obvious but may not be obvious to everyone. Before you can build wealth, you need to have some wealth to build! Many of us, however, get distracted by the excessive wealth we see on television such that we see our actual wealth as not wealth at all. Everyone has some wealth.

Technically, your current wealth is what you have left over when you,

• subtract your liabilities, what you OWE,
• from your assets, what you OWN.

More practically, we all have potential wealth; your future assets
less your future liabilities. A newly graduated nurse may not have any current wealth but has a "bright future". With our magic crystal ball we could know exactly this potential wealth and could celebrate our wealth today. For now, we know the wealth you have today will typically be less than the wealth you will have in the future.

You create wealth when,

• you subtract your EXPENSES
• from what you EARN.

You earn money when you

• trade your KNOWLEDGE, for example, by writing and selling a book,
• trade your MONEY, for example, by investing some of your savings into your new business idea,
• or trade your TIME, for example, by providing a service for your employer.

Again we have the concept of potential EARNINGS. Over your lifetime you will earn money that will contribute to your wealth. Without our magic crystal ball we only know that we will normally continue to earn money until we choose to retire.

Sounds simple enough ... as we know on paper.
In order to build wealth you should

• EARN money,
• keep your EXPENSES low,
• take what's left over to build your ASSETS
• while keeping what you OWE low
• so you may ENJOY life today,
• and ENJOY life in the future.

OK. In reality it's not so easy! How much stress has this equation caused you? The central theme of our wealth building approach is to improve your well being by reducing this stress.

We focus on what to do with your wealth as you are creating it.