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Why 90% of Americans Will Never Build Generational Wealth (And How You Can Be in the 10%)
Published on 02-04-2026 01:02:34 AM by Steve D
Hi Visitor,
There's a harsh reality most financial advisors won't tell you: the system isn't designed for you to build real wealth. It's designed to keep you comfortable enough to keep working, but never wealthy enough to break free.
Right now, 90% of Americans are living paycheck to paycheck—not because they're lazy or financially irresponsible, but because they've never been taught the actual rules of wealth creation.
The education system taught you to get good grades, go to college, get a job, and save for retirement. But did anyone ever teach you how to leverage credit strategically, structure businesses for maximum protection, access funding like the wealthy do, or create cash flow that works while you sleep?
Of course not. Because if everyone knew these strategies, who would work the jobs that keep the economy running?
The truth is, wealthy families understand something fundamental that most people never learn; wealth isn't built through hard work alone, it's built through strategic systems. They use four interconnected pillars that work together like a well-oiled machine: Credit, Business, Funding, and Cash Flow.
The Credit pillar isn't about FICO scores and consumer debt; it's about understanding how to leverage credit as a tool for investment and business growth. The wealthy know that strategic credit use can accelerate wealth building by decades.
The Business pillar teaches you how to structure entities that protect your assets while creating tax advantages unavailable to employees. It's why the wealthy pay less in taxes while building more wealth.
The Funding pillar reveals how to access capital the way wealthy entrepreneurs do; not through predatory loans, but through strategic funding sources that fuel business growth without destroying your personal finances.
The Cash Flow pillar shows you how to create income streams that don't require trading your time for money. This is the difference between being rich (high income) and being wealthy (sustainable cash flow).
Here's what makes this even more frustrating: this information isn't hidden. It's not illegal. It's not complicated once someone explains it properly. The wealthy simply learned it from their families, their mentors, and their networks, while the rest of us were told to go get a degree and hope for the best.
But here's the good news: you don't need to be born into wealth to access these strategies. You don't need a trust fund or rich parents. You just need the right framework and someone willing to teach you what the education system never did.
The Freedom Legacy Framework breaks down these four pillars into actionable steps anyone can follow, regardless of where you're starting from financially. Whether you're drowning in debt or already making six figures but feeling stuck, this framework shows you exactly what's missing and how to fix it.
The question isn't whether you can build generational wealth. The question is whether you're willing to learn what they never taught you in school.
[Click the link below to get your free copy of "The Freedom Legacy Framework" eBook and schedule your complimentary 15-minute financial assessment today. Let's identify exactly where you are and map out your path to generational wealth.]
Steven Dobson | Financial Educator
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#FourPillarsofWealthBuilding
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