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How to climb the Wealth Pyramid with speed

To climb the wealth pyramid and join the top 20%, these are thus the three things you must do.



How to climb the Wealth Pyramid with speed

There is a ″Wealth Pyramid″ in every society and in almost every country that distributes wealth using the metric: 1%, 4%, 15%, 60%, 20%.

For many decades, this wealth pyramid has refused to change. It has remained the same despite the numerous New Year resolutions, wealth empowerment programs, technological advancements, and all the governmental wealth redistribution programs.

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Today, 60% of any given population barely gets by. They have a myriad of financial problems. 20% are broke, and find it hard to meet basic needs. 15% have their personal and family needs covered and can afford to save and invest. 4% are prosperous and can afford to live in luxury, while the last 1% are super-wealthy and can afford anything money can buy.

READ: 10 barriers to successful entrepreneurship for women in Nigeria

So why are there only a few people at the top of the wealth pyramid?

The answer is simple and there are two reasons for this.

The first reason is that people are trying to climb the wealth pyramid all by themselves. Doing it alone is the longest, most painful, and laborious way to climb.

The second reason is that people are becoming rich and becoming poor almost at the same time. Long-lasting wealth is now a thing of the past. While wealth has increased over the past decade, a lot of it has been lost due to the lack of discipline, skills, and character to preserve wealth.

READ: Here are 7 ways to plan for the unexpected in your small business

To climb the wealth pyramid and join the top 20% there are thus three things you must do.

The first thing you must do is understand that the odds are against you. The second thing you must do is have a plan to improve the odds. And third, you must do is create a system that channels some of the wealth to you. Below I explain these three points in detail.

READ: How to build solid financial success system and achieve financial freedom quickly

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1. The Odds are against You

If you are a working-class professional and among the bottom 80%, the odds are stacked up against you. This is because you gain your wealth from a system. That places a limit on your income. The No 1 rule for climbing to the top of the pyramid is to never have a limit on your income. When you depend on one source of income that is limited. You limit your chances of ascending to the top. You also put yourself in one of the worst categories of people in the world.

There are three categories of people in the world. The first category is those with the least likelihood of success. The second category is those most likely to succeed. And the third category is those most likely to gain Power.

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  • Those with the Least Likelihood of Success

The majority of employees fall under this category and employees are those with the least likelihood for success. According to research, over 95% of them will end up in retirement a burden to their loved ones. And there are only a few wealthy employees in the world. This is because employees fetch from a wealth system that trade-off maximum income for a secure monthly stipend. There are like the proverbial man who goes to the ocean with a teaspoon. Although there is an enormous amount of wealth that can be earned from their employers. They are limited by the security option they choose. Climbing to the top on the back of a limited income is almost impossible.

READ: Many Billionaires became richer by 27% during the COVID-19 pandemic – Swiss Bank UBS

  • Those Most Likely To Succeed

Employers and Business owners fall under this category. They are the ones most likely to succeed. Business Owners are the wealthiest people in the world and they are the ones with the capacity to climb to the top. Yet not all businesses are created the same. Certain businesses have a higher likelihood of success than others. There are two categories of businesses. The First category is wealthy businesses. Those with huge assets, employees, and cash reserves. The second category is struggling businesses. Those with irregular and sporadic income. These are called SMEs. Successful businesses have a higher chance of success than SMEs. According to Research over 75% of SMEs fail after the first 10 years. They fail because, small business owners enter the business world without the right skills, knowledge, and mentorship. They try to climb the wealth pyramid on their own and destroy their limited resources in the process. No one ever climbs the wealth pyramid all by themselves. Everyone was helped to get up there. So if you want to move from SME to a successful business you must get the help you need to thrive.

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READ: Dangote to empower Nigerian women with N1.1 billion 

  • Those Most Likely To Gain Power 

The people with the highest chance of gaining power are politicians and government officials. There have the power to create and annul laws. But despite their enormous power they and deficient in wealth. Power without wealth is still a disadvantage so to make up for this. The government and politicians occasionally collaborate with successful business owners. Who are custodians of wealth to gain a certain wealth advantage. In exchange, they give the business owners some leg in the power play. The Government unlike employees and SMEs use what they have which is Power to get what they need. They use their power advantage to draws some of the wealth of successful business owners. Employees and small business owners must learn to do the same.

READ: Access Banking solutions designed to move your business forward

So now that you know your odds and how difficult it is to climb the wealth pyramid, how then do you climb the wealth pyramid with speed?


To climb the wealth pyramid with speed you need a system that increases your odds. And the only system that works well is to use the advantage you have to get the advantage you need.

But how exactly do you do this?

The fastest way to achieve this is to master the art of solving important problems for wealthy people.

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2. Solving Problems for Wealthy People

The fastest way to climb to the top is to solve problems for those already at the top. And there are a few problems that are important to them. The first problem is how to increase their wealth and remain at the top. And the second problem is how to protect and preserve their wealth from dying. Anyone that can solve these problems ends up with a share of the wealth.

Now you may be saying to yourself, why would I want to help those who already have plenty of money?

READ: How to transfer your Retirement Savings Account (RSA)

The answer is simple.

The only way to grow rich is to solve problems for many people. And who best to solve a problem for than the person with the most capacity to pay you.

If you solve problems for poor people especially before you become wealthy. You get a lot of prayers, kisses, and thank you but no money. Worse of all is that you postpone your own financial success and become financially drained yourself. The best time to help poor people is when you are already Rich yourself. This is the only time you can truly help them.

READ: FG says it will look at other options if ASUU continues with strike

So helping wealthy people solve their income problems is the fastest way to get to the top. See it as a fair trade-off. You are helping them only because it can help you get to the top. And when you offer this kind of help make sure to offer it the right way.

There are two ways to offer help to wealthy people. The first way is to become their worker or subordinate and collect monthly or hourly wages. This is the path to limited income. The second way is to become a peer, independent helper, or advisor and get paid strictly on a performance basis. This is the path to maximum income.

READ: Wealth of world’s billionaires hits $10.2 trillion

All businesses are based on Performance-based income. So when you trust yourself enough to accept payment based on measurable results you gain the respect of wealthy people and become elevated to more wealth.

Workers and subordinates are treated with less respect. They earn poor income because of the guarantee that comes with their income. While you may still be a worker today you want to find opportunities to leverage on performance-based income. To do this successfully you have to elevate your capacity to the level where you are comfortable with earning based on results. It is the fastest way to get to the top.

READ: Lekki Gardens continues to deliver value to her clients

So now that you know what to do to increase your odds and earn more income how exactly do you channel some of the wealth to yourself?

There are two ways to channel more wealth to yourself.

The first way is to create wealth from scratch. This is the hardest and longest way. You are creating money from thin air usually all by yourself.

The second way is the Channel some existing wealth to yourself. Here the money already exists all you need to do is give the owner of wealth what they want by solving a problem for them and get what you want in return. This is the fastest way. To do this you need a wealth connection system.

READ: #EndSARS: Nigerians, Startups fast adopting Bitcoin

3. The Wealth Connection System

The wealth connection system function like any other connection system in the world. Let’s use a water connection system as an example.

Imagine for a moment that you need water in your house and the only place to get water is in your neighbor’s house.

What is the fastest way to get some water into your own house?

You can build rapport with your neighbor and increase your chances of getting water or You can hate, condemn, and despise your neighbor for having water, and ends up starving.

If you succeed in building rapport with your neighbour there are two choices to make.

The first is to negotiate a Bucket system where you come every day to your neighbour’s house to fetch water. This is time-consuming, back-breaking, and demeaning to mention the least. Worse off is that you can never truly build your own water reserves. So you will continually depend on your neighbor for water. This seems to be the case with most employees.

The second thing you can do is to negotiate a Pipe connection system that channels water directly into your house. This is a smarter move and the fastest way to build your own water reserves. This is the way of performance-based income.

Hating, condemning, or despising those at the top will not make you wealthy. All you need is a connection system that gives you access to their wealth.

The problem is this system rarely exists and when there do only a few people have access to them. To solve this problem we have created our own wealth connection system. Our goal with this system is to help you connect to the wealth of the wealthy and increase your chances of achieving financial success. With this system, we will be creating a new Tribe of working-class professionals called “The Wealthy Middle-Class”. Although the wealthy middle class is people with the least likelihood of success we are helping them break the odds and achieve financial success.

If you want to know more about how you can join the Wealthy Middle-Class, what to do to get to the top of the wealth pyramid and how you can create your own wealth connection system and draw from the wealth of the wealthy send an email to [email protected]

The entire world is a giant Pyramid system. There is an unequal distribution of wealth and advantages. Presidents are more powerful than citizens. Employers are wealthier than employees. Religious leaders have more influence than their congregation. And men have more advantage as leaders of their homes than women and children.

Everything in life is arranged in a pyramid system from top to bottom.

And you have three choices:

  • Fight the pyramid system and wear yourself out.
  • Use a Bucket system and become perpetually dependent.


  • Create your own wealth Connection system and become massively wealthy.

Our goal is to increase your chance of climbing to the top. Your role is to seize the opportunity.

About author

Grace Agada is The Senior Financial Happiness Director @ Create Solid Wealth. She is an Author, and Column Contributor in Six National Newspaper. She is a contributor at BellaNaija, Nairametrics and Proshare and she is on a mission to help working-class professionals and CEOs become more financially successful. To learn more about Grace and how she can help you send an email to [email protected]



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      FG to support MSME contribution to economy to boost development – Minister

      The Minister said that the FG has schemes aimed at improving the post-pandemic climate for SMEs in Nigeria.



      FG releases new details on MSMEs support scheme, budgets N200 billion for loans, FG says 174,574 successfully register for N75 billion MSME survival fund in 48 hours

      The Federal Government declared that it is working with stakeholders to improve MSME participation in the economy through improving the business climate which will create jobs.

      This was disclosed by Amb. Mariam Katagum, Minister of State for Industry, Trade and Investment, at the 7th EMPRETEC Global Summit,  on Tuesday, themed “The Role of Entrepreneurship, MSME and EMPRETEC in post-COVID-19 Resurgence.”

      The Minister stated that the MSME sector of the economy is the growth engine of any economy which contributes to its development, job creation and export, amongst others.

      “An MSMEs survey indicates that Nigeria’s SMEs contribute nearly 50 percent of the country’s GDP and account for over 80 percent of employment. No doubt, the sector is pivotal to Nigeria’s growth, including reducing poverty and unemployment levels.

      It has, therefore, become more apparent that supporting entrepreneurs and small businesses by creating opportunities for MSMEs to thrive is essential for increasing productivity, creating jobs, and boosting our economy.

      This is why the Government is working with stakeholders across all sectors, to create the enabling environment for entrepreneurs and MSMEs to ensure that they grow now and into the future,” she stated.

      On economic sustainability

      The Minister said that the FG has schemes aimed at improving the post-pandemic climate for SMEs in Nigeria. She also disclosed that the FG launched the National Policy on Micro, Small and Medium Enterprises (MSMEs), a framework for the resolution of the challenges faced by the sector.

      The programmes launched by the FG includes the Survival Fund and Guaranteed Off-take Schemes, operated by a Steering Committee in the Ministry of Industry, Trade and Investment.


      “The Government of Nigeria had, prior to the outbreak of COVID-19, initiated the MSMEs Clinics scheme as a strategy, aimed at providing support for the MSMEs in the country.

      At the clinics, operators in the MSMEs space are engaged by regulators and business advisory experts, on issues ranging from entrepreneurship, skill development, finance, quality & standards, and on how to facilitate and grow their businesses and enterprises,” she added.

      What you should know 

      Nigeria’s unemployment rate as of the end of 2020 rose to 33.3% from 27.1% recorded as of Q2 2020, indicating that about 23,187,389 (23.2 million) Nigerians remain unemployed.

      A combination of both the unemployment and underemployment rate for the reference period gave a figure of 56.1%. This means that 33.3% of the labour force in Nigeria or 23,187,389 persons either did nothing or worked for less than 20 hours a week, making them unemployed by our definition in Nigeria.

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      Financial Literacy

      How to move from a decent salary to a lucrative income (Part 1)

      First, create an anchor position for your decent lifestyle; next, increase your earning capacity; third, earn a lucrative income and lastly, preserve the income that you have earned.



      See the businesses experts have recommended you should start in 2020 

      There is a common element that is present among all working professionals that achieve financial freedom. This element is their ability to move from earning a decent salary to earning a lucrative income. A decent salary is an income that gives you a decent lifestyle, and a decent lifestyle is any lifestyle that is comfortable in the present.

      So, when you hear working professionals talk about having a decent income, what they mean is that their present life is working. And that they can pay their bills without financial stress. A decent salary is thus heavily invested in maintaining life today. This means that income from a decent salary is invested in income-consuming activities more than income-preserving activities. While it is good to maintain life today. It is even better to secure life tomorrow.

      This is because life is advancing towards the future and the future will soon be here. Also, jobs don’t last forever and when they go away, they take all the decent salary that is funding your current decent lifestyle. Thus, if maintaining a decent lifestyle throughout life is your goal, you must move from income that is heavily invested in making today comfortable to income that is invested in maintaining comfort throughout life. This is where having a lucrative income comes in.

      READ: 10 Side gigs to venture into while working a full-time job

      A lucrative income is an income that is heavily invested in preserving life today and in the future. Lucrative income is more focused on keeping and growing income for the days when salary is no more. This is because only preserved income will matter in those days. And those days are already upon us. So, if you are looking for the best time to prepare, today is the day. As the worst time to prepare is when you are already in the future. Becoming wise in the future will not do you any good. Thus, a well-structured lucrative income helps you prepare in three ways. First, it buys you financial freedom. Secondly, it expands your options and opportunities, and thirdly, it gives you financial peace of mind.

      So, if your goal is to achieve financial freedom someday and maintain the decent lifestyle that you have become so accustomed to over the years, you must build income for the future by converting your decent salary to a lucrative income. The purpose of this article is to show you exactly how you can achieve that.

      So how do you create your own lucrative income?

      There are four steps to follow and each step must follow in the right order. The first step is to create an anchor position for your decent lifestyle. The second is to increase your earning capacity. The third step is to earn a lucrative income. And the fourth step is to preserve the income that you have earned.

      READ: 5 financial choices you will regret

      Step 1. Create an anchor position for a decent lifestyle

      You need to define what a decent lifestyle is for you and there are two kinds of decent lifestyles. The first is the financial freedom decent lifestyle and the second is the financial slavery decent lifestyle. The financial freedom decent lifestyle is the lifestyle that meets your basic needs and yet preserves a big part of your income. And financial slavery decent lifestyle is the lifestyle that sacrifices your savings.

      To achieve financial freedom, you must choose the financial freedom decent lifestyle. This is the only lifestyle that can lead to financial freedom. The reason is that only saving a big part of your income can give you financial freedom. And You can’t out-earn extravagant living. Thus, you must anchor spending while you work on savings. To save a big part of your income you must save between 25-60% of your income. This means that you must anchor your decent lifestyle between 70 to 40% of your current income.

      READ: Right financial behaviours to develop in 2021

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      When you decide which anchor position is suitable for you, fix your expenses at this point and channel all extra income towards your savings. These include your bonuses, allowances, investment returns, and side incomes. Savings and expenses cannot grow at the same time. You must decide which one of them grows and which of them is anchored to a fixed position. Anchoring your expenses while growing your savings is thus, crucial to creating a lucrative income and achieving financial freedom. When you decide what a suitable anchor position is for you, you must stay anchored at this position until you achieve financial freedom.

      So how do you anchor your spending?

      To anchor your spending, you must first know how much you spend each month. If you are already within the 70-40% expense bracket you may want to look for other ways to push your savings beyond where you are. The key is to work towards saving more than you spend. But if you are outside the range, you are in a financial bondage position and are heading towards financial pain.

      READ: How to invest for retirement

      A financial bondage position is any position that puts your savings below 25% of your income. Most people are in this position and sadly they are anchoring their savings at a meagre 5-10% and growing their expenses. Saving under a quarter of your income is potential pain because you cannot maintain your current lifestyle at less than a quarter of your income. To maintain a decent lifestyle throughout life, you must save more than you spend and keep your spending anchored while growing your savings.

      There are three savings positions to choose from if you want to speed up financial success. The first is called the quarter plus savings position. This is where you save a quarter or more of your income each month. The second position is called the mid-point savings position. This is where you save half of your income (50%) each month. The third savings position is the supreme position. This is where you save more than you spend, that is, above 50% of your income. To achieve financial freedom, you must decide whether you want to work hard on your freedom or do so on your expenses. Whichever you decide, it will be reflected in your report card at the end of your career.

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      Step 2. Increase your Earning Capacity

      The fastest way to create a lucrative income is to earn more income. To earn more income, you must increase your earning capacity beyond what it is right now. Increasing your earning capacity means increasing your ability to solve high-income problems because money is made when you solve problems for other people. To solve high-income problems, you need four key elements. You need knowledge. You need skills. You need Productivity. And you need Relationships.

      Knowledge is information that helps you see how things work.  It is different from understanding. Understanding is derived from the application of knowledge. And from converting knowledge into skills and experiences. Productivity is getting more work done within a shorter time and creating more free time for yourself. When you produce more, you’re worth more. So, the key to productivity is to increase the quantity and quality of work that you do.

      Relationships are also critical because income is produced within the context of a relationship. If you want to earn more, you must be worth more in knowledge, skills, productivity, and relationships. The sad news is most people only focus on acquiring knowledge. And knowledge may be power but it is the least income-producing element among the four. In fact, knowledge is useless until applied. To focus your savings on acquiring knowledge that has low-income value is not wise. Rather focus your savings on acquiring knowledge that can produce high and almost instant income.


      The second mistake I see people make when they want to increase their income is investing in the wrong skills. They invest in skills that have little relevance outside the career world. And lose all their investment once they are out of a job or in retirement. They also invest in low-income skills. A low-income skill is any skill that does not add any specific and measurable value to company profits and revenue.

      The problem with low-income skills is that they produce low income no matter how hard you work or how much it cost you to get them. And the problem with career-related skills is that they can only be applied in the career world. In the career world, you have zero control over your income and the value that is placed on your skills. So, developing low-income skills or career-related skills does not only limit your income, it makes your life miserable at the end of your career.

      To achieve financial freedom, you must focus on acquiring high-income skills. And there are three high-income skills to acquire. The first is creativity – the ability to produce wealth-creating ideas. The second is relationship building – the ability to meet new people, engage in meaningful conversations and build trusted relationships. The third is marketing – the ability to convince customers that you and your product are worth more than the price tag on them. Without these three skills, you can’t create a lucrative income.

      The third mistake I see most people make when they want to increase their income is to focus too much on investing as the means for earning extra income. While investing is great and can grow your income. Investing is NOT an income-producing activity and cannot make up for the gap in your own personal ability to produce or earn a high income. If it could, successful business owners would have closed their businesses and faced investing full-time. But they don’t because they know that the only powerful way to produce income is through your own personal ability to produce and solve problems. They use investing as a means to preserve and grow earned income and this is what you must do.

      Depending on investment income to make up for your own low ability to earn income is a loser’s game. And there are three reasons why. Most people do not even have the size of cash reserves that can produce the amount of passive income they can depend on. What they then do is demand more than a safe return from their meagre investments and lose their money. And then they repeat the process all over again or are scared to death to invest which is even worse. There is a limit beyond which investing becomes harmful and not beneficial.

      The second reason is that growing income through investing is a slower process and there is a limit to how much growth you can achieve. While a person can earn N500 million in a day through their own personal ability to produce and solve problems. They cannot push the same results out of their investments without losing it. The only way to still earn high income today is to use your personal ability to solve high-income problems.

      Growing money and earning money are two different activities, and earning money is more powerful than growing money. The third and final reason why focusing on investing may not work for you is that it takes money to make investment money. Once you have the money it’s easy to find someone that can guide you to invest it. And money only comes when you have a personal ability to produce and solve problems.

      So, while you can use your personal ability to earn income from scratch, it takes a lot of money to achieve investing success. I know this because 80% of people end up broke and resentful in retirement despite years of investing. The problem is not that they did not invest. The problem is that they were focusing on the slowest path to achieving financial freedom. The fastest path is always and would always be through your own personal ability to earn income. To earn a lucrative income you must become an expert at solving high-income problems.

      Step 3. Earn a Lucrative Income

      A lucrative income is any income that is bigger than the workload. It is income you can earn part-time working less and earning more. You need this kind of income to supplement your already heavy workload. To earn a lucrative income there are six things that must do.

      The first thing is to learn sales. You must be able to sell yourself, sell your message and sell your ideas to other people. The second thing you must do is choose the right industry. Not all industries are created equal or have the same capacity to produce millionaires. To earn a lucrative income, you must work for industries that sell high ticket products and can pay high sales commission.

      The next thing you must do is choose the right company. Not all companies within an industry offer the same benefits. Some companies are more reputable than others and have strengths that others do not have. So, you must choose wisely.

      Next, you must choose the right products and services. Your success in earning a high income is dependent on your ability to sell. Do not make sales harder by selling difficult to sell products. You will not only delay your income you will be frustrated to quit.

      Next is to look for and join a platform that offers a diverse range of lucrative income-earning opportunities. If you cannot create these opportunities on your own.  And finally, you must take action and engage in income-producing activities in your spare time. These are the five things to do if you want to earn a lucrative income.

      To succeed even further, you must follow the lucrative income guiding principles. There are four income principles to live by if you want to earn a lucrative income fast. The first is the funding principle and it states – if it would take money to get started, make the money elsewhere in sources that do not require money to start. The second is the freedom principle and it states – if you can only gain financial freedom by building solid cash reserves, better add a lucrative income to your main income and speed up the process. The third principle is the time principle. It states that if it would take a long time to earn income in a particular path, better get started now. The fourth is the people principle and it states that – if it will take knowing people to earn a high income, better become the person that other people want to know.

      If you live by these principles and do the six things stated above you would increase your income dramatically.

      Watch out for the concluding part of this series…

      About the author

      Grace Agada is a recognized leading Financial Expert on Nigerian Soil. She is a Renowned Speaker, Author, and Column Contributor in Punch Newspaper, This Day Newspaper, Vanguard newspaper, Business Day Newspaper, Leadership Newspaper, The Tribune Newspaper, and Online Platforms like Nairametrics, Proshare, and Bellanaija. Grace is the author of “The Financial Freedom MBA Program, “The Passive Income Retirement Blueprint” and “The Wealthy Business Blueprint” for Advisors, Consultants, and Coaches who want to get off the roller coaster of irregular income. Grace is on a mission to shrink the middle class and populate the upper class. Her ultimate goal is to create a tribe of professionals that are thriving in any economy. Grace has been featured on BBC Africa. Business Day TV. Inspiration FM. and inside Naijatv. She has consulted for Numerous Top Organizations, Company Directors, Senior Executives, and Top performing Professionals.

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