Income doesn’t equal wealth. And flashy “material wins” don’t mean you’re ahead. I’ve seen people on $300k incomes living paycheck to paycheck → car loans → boat loans → maxed credit cards → no savings And I’ve seen others on far less income quietly building real wealth → investment properties → equity → cash buffers → zero bad debt The difference isn’t how much you earn. It’s how you structure your money. Don’t let cars, boats, and lifestyle fool you into thinking you’re winning. Assets > liabi