WEALTH 101
Welcome fellow readers, today's topic dives into the heart of an issue affecting people worldwide: the growing wealth divide, often marked by a stark 10% of people who are wealthy and the remaining 90% who are struggling. This phenomenon isn’t unique to the UK but mirrors a global pattern, where many people work tirelessly only to remain “Just Over Broke” (J.O.B.). Let’s explore the causes behind this divide, how people can begin to shift their mindset and actions to move beyond financial struggle, and the role the Xqisit Community can play on this journey.
Understanding the Global Wealth Divide
The disparity between the wealthy and the financially struggling has deep historical, systemic, and psychological roots. Access to quality education, healthcare, and high-paying job opportunities tends to be limited for many, creating a cycle of poverty that can be difficult to escape. Meanwhile, wealthier individuals often benefit from a greater capacity to invest, save, and leverage their resources effectively. They understand principles of finance, compounding investments, and strategic risk-taking, whereas the majority focus on income from wages alone, keeping them in a cycle where they’re “Just Over Broke.”
Globally, the wealth gap exists in almost every country, as systems of economics tend to reward capital and investments rather than labour. This means that while working a regular job may cover basic expenses, it rarely provides a pathway to true wealth and financial freedom. In fact, studies suggest that in the UK and other developed nations, a family would need roughly £750,000 to £1 million in assets (or the equivalent in other currencies) to truly break out of the cycle of financial struggle. For some, this might be a shocking figure, but it reflects the level of wealth needed to have financial security, independence, and enough to invest meaningfully in future growth.
Why Does Wealth End Up in the Same Hands?
The idea of redistributing all wealth equally, only to see it return to the same individuals, is rooted in financial intelligence. Financially clever people understand how to grow money, make it work for them, and take calculated risks. They know how to save, invest, and leverage debt, while many others lack these skills or the discipline to sustain them. The divide isn’t just financial; it’s also psychological. People who have developed a wealthy mindset view money as a tool for growth, while those struggling tend to see it as a means of survival.
Is a Job the Answer?
The reality for many is that working a job often isn’t enough to build wealth. Jobs, while essential, generally provide a fixed income, limiting the ability to generate surplus funds to save or invest. Furthermore, even with rising incomes, the cost of living—housing, education, healthcare—has escalated to the point where a job income alone may not be sufficient to elevate a family out of financial instability. The real answer lies in expanding sources of income and investing in self-improvement to gain financial literacy, skills, and the confidence needed to explore options beyond the 9-to-5.
Why Do So Many People Stay in Their “Comfort Zone”?
The comfort zone can be misleading. Many people are uncomfortable in their current situations, stressed about finances, and dissatisfied with life, but they remain in familiar territory out of fear, habit, or a lack of understanding of how to move forward. It’s a common trap to stay where we feel safe, even if “safe” means barely scraping by. Paradoxically, stepping out of this comfort zone—exploring new skills, investments, and mindsets—is what could provide real security and satisfaction.
This is why the Xqisit Community exists. It offers support, resources, and guidance for those who feel trapped in this cycle and want to escape it. Through shared learning and encouragement, individuals can see firsthand examples of those who have successfully shifted their thinking and financial strategies, moving toward genuine wealth and life satisfaction.
The Key to Breaking Free
The wealthiest and most successful individuals repeatedly stress the importance of self-investment. The best asset any person has is themselves. By investing in self-education, acquiring financial knowledge, and developing personal skills, individuals become empowered to create value and opportunity. This principle has never been truer than in today’s world, where access to information and resources has never been more widespread.
Despite this, many people resist self-investment, often citing a lack of time, money, or even belief in their potential. However, staying stuck in a low-income situation without making changes simply leads to perpetual struggle. Self-investment requires both courage and a belief that one's life can be better, and it offers a pathway to personal freedom and growth.
The Xqisit Community promotes this approach, providing resources, guidance, and a support network to encourage people to make these investments in themselves. By joining, members can connect with others on similar journeys, gain insights from those who have succeeded, and draw motivation from a collective commitment to self-improvement and wealth-building.
A Simple, Actionable Plan for Anyone Stuck in the 90% Rat Race
- Re-evaluate Your Mindset: Recognise that financial freedom starts in the mind. Break free from limiting beliefs about money, and begin seeing it as a tool to create value and growth.
- Seek Financial Education: Spend time learning about money management, budgeting, investing, and creating multiple income streams. The internet offers countless free resources to get started.
- Set Clear Goals: Determine what you truly want from life. Is it financial independence, time freedom, the ability to help others? Having a clear vision will guide your actions and help you stay motivated.
- Develop New Skills: Whether through formal education, online courses, or community programs, focus on building skills that increase your earning potential and allow for career growth or entrepreneurship.
- Surround Yourself with Supportive People: This is where joining the Xqisit Community comes in. Being part of a group that understands your goals, challenges, and aspirations can make all the difference. Success is often the result of a collective effort, with people sharing wisdom, support, and resources.
- Think Long-Term: Wealth and financial security come from long-term planning and patience. Make it a habit to save and invest even small amounts regularly, and focus on sustainable growth rather than quick wins.
- Take Consistent Action: It’s not enough to plan or hope for a better future—you must act. Start with small, manageable steps and build from there. Each step will bring you closer to the security and freedom you desire.
A New Definition of Wealth
To move from the 90% struggling to the 10% thriving, financial freedom alone isn’t the goal. True wealth includes security, fulfilment, and the ability to impact others positively. Each person has a unique set of talents and abilities, and by sharing these gifts, one can create value not only for oneself but for the wider community. The journey isn’t about accumulating wealth at the expense of others but about finding ways to help others, thereby creating value and mutual benefit.
Through the Xqisit Community, individuals can learn, grow, and support each other toward these goals. Remember, the path to wealth and success doesn’t require extraordinary luck or talent—it’s available to anyone willing to invest in themselves, develop new skills, and act consistently with intention. The divide between struggling and thriving may seem vast, but with the right mindset, guidance, and community support, bridging it is entirely within reach.
If you’re tired of living on autopilot, waiting for a miracle, or feeling stuck, then this is your wake-up call. The time for dreaming is over—it’s time to take action and start believing in yourself.
What’s Next?
This is just the first step. Each week, we’ll add to this foundation, bringing in new principles and powerful steps to guide you through this journey. The best part? All you have to do is show up and follow each step.
So, if you’re ready to break barriers, redefine what’s possible, and create a life you love, keep following this weekly blog series. We’ll be here to support you as you transform into the person you’re meant to be.
- Hope is the world's greatest medicine -
Take Action Today!
Let’s end with a challenge: Starting today, take one of these steps to strengthen your self-belief. Perhaps you’ll set a small goal or start your day with positive affirmations. Commit to taking one action today, and watch as your confidence grows.
For ongoing inspiration and guidance, subscribe to "Xqisit Lifestyle Blogs" for daily doses of motivation, practical tips, and the encouragement needed to stay on track. Remember, we become what we think about—so think BIG, think Positive, and take charge of your life today.
Remember, self-belief is the key that opens the door to achieving anything you want in life. Let’s unlock that door together.
This weekly series is a unique opportunity for readers to engage, step by step, in their own journey of growth. By emphasising self-belief and fostering enthusiasm, it sets the tone for a transformative experience and invites readers to join our active community.
- The possibilities are truly limitless when we embrace our power as creators of our reality -
Your comments are VERY MUCH APPRECIATED... Thank YOU!
Sincerely, Prof. Gerald Alexander
Physical Health Mental Health Emotional Wellbeing
Energy & Productivity - Disease Prevention - Longevity & Quality of Life - Enhanced Mood & Mental Clarity
HELPING YOU TO HELP YOURSELF
Get a Free Copy of "As A Man Thinketh" by James Allen
2 responses