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How To Lift Your Income Above Your Financial Goals

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How To Know You Will Achieve Financial Freedom

By
Grace Agada

Almost everyone in life started out in their career with income that is bigger than their bills. Over time they amass so many bills that their bills overtook their income. From this point forward only 15% of working professionals will reverse the equation. And among this 15%, only 4% reach the point where their income becomes not only bigger than their bills but also bigger than their financial goals.

Moving your income above your bills and being able to maintain financial stability without salary is the first level of financial success you must achieve. And this success is called financial independence. However, lifting your income above not just your bills but over your current and future financial needs is the highest level of financial success. And this success is called financial freedom.

This means that financial independence is all about achieving today’s success and comfort while financial freedom ensures that you maintain that level of success throughout life. Unfortunately, only a few people will ever earn income at this level or invest the income earned for financial freedom. Yet to achieve financial success, you must raise your income above your financial goals. And you must take care of your needs today as well as your security tomorrow.

So how do you achieve financial freedom or make your income bigger than your goals?
The answer is simple.
But first, I must show you the price that you must pay. Every prize has a price and so is your next level of success.

There are three prices people pay and three prices to choose from. The first is the price of growth and discipline. For you to move from your current level to the next level you need growth in skills and the discipline to take action. This price has a worthy purpose, and it is a price that you should pay. This is also the cheapest price you would ever pay for success.

READ ALSO: How To Climb The Wealth Pyramid With Speed

The second price is the price of procrastination. This is where you delay taking action until you have only a little time left. To achieve the same goal, you must then take extreme action that results in deeper pain. Also, chances are high that you may not achieve all that you set out to achieve.

The third price is the price of regret. This is where you delay taking action until you run out of time and can no longer avert the consequence.  The only thing left when you enter this stage is to endure the consequences of your inaction. And the regret price is the most painful price to pay.

So now that you know the price there is to pay let’s look at how you can lift your income.

To Lift your income above your financial goals, there are only two things to do.

The first is to know the source of income and focus on earning from the source. And the second is to develop the tools that produce high income. Below let’s look at each of them in detail.

The source of income
All income comes from one source and that source is skills.  Skills are the source of all income and without skills, you cannot earn income. Today you earn income because you apply certain skills to solve problems for your employer. This means that if you focus on developing high-income skills, you will grow your income with speed. And accelerate your investing effort. Focusing on investing first is a slow way to grow income because active income is still the most potent income in the world. And only a strong active income can produce strong passive income. Thus, to grow your income fast you must first focus on developing high-income skills.  Yet, having skills alone will not produce the desired income. To lift your income above your goals, you need three other components. The first is time, the second is relationships and the third is income earning platforms. Skills without the time to apply them will generate no income.

Skills with time but without relationships will produce no income. And the skill with time and relationships but without a platform to earn income will still lead to no income. Thus, the only way to truly earn an income is to have skills, time, relationships, and platforms working for you. The good news is your job has all four components. First, you have the skills to help your employer make money, that’s why you were employed. Next, you also invest your time to offer this skill. And then you offer this skill within an income-generating relationship. And then you earn income through a job platform.

Now if you have skills, time, relationship, and a job platform why are you not yet earning the income of your dreams?
The answer is simple, and it leads to the second point.

READ ALSO: The Three Skills That Will Increase Your Financial Success

Tools that produce high income
There are four tools that produce high income and these include skills, time, relationship, and platform. Yet these four tools combine to produce three different types of income. The first is the low income, the second is middle income and the third is the high income. Low income is any income that is lower than your bills. If your bills are ahead of your income, you earn a low income regardless of how much you earn. Low income is produced by low-income skills.

And examples of low-income skills include theory-based skills (fresh graduates). Routine-based skills that can be done by anyone or machine. And skills that have no direct relationship to the company’s bottom line. This means that a low income is produced when you combine low-income skills that require plenty of time and focused on serving one employer through a single job platform.

The second is middle-income skills. Middle-income skill is any skill that can earn income that is above bills. That is earned income is enough to pay bills and also creates a financial safety net. Thus, people with middle incomes are able to maintain financial stability for months without a salary. Examples of middle-income skills include low-income skills that have been refined overtime and through many years of experience or some job-based specialized skills.

This means that most middle-income earners have many years of experience. Yet middle-income skills are still job-based skills. Out there in society and all by yourself, you may not be able to use these skills to earn income at the same level. Also, most middle-income earners serve one employer at a time and leverage one job platform. This means that their income is still limited. To earn middle income, you must be ready to invest years behind your income.

The third is high-income skills. High-income skills are skills that can produce income that is above your present and future financial goals. High income skills can produce income within a short time and can buy you financial freedom. To earn high income, you need high income skills. Examples of high-income skills include creativity and innovation, productivity and time management, rich relationship building and influential marketing.

All high-income skills are evergreen skills. This means that you can apply them in any industry on any platform and at any stage in your life. High-income skills also require less time to generate income and they are the most profitable skills to have. If you want to lift your income above your life goals, you must invest in developing high- income skills.

READ ALSO: How To Grow Rich With The Power Of Profitable Relationships

If you need help developing high- income skills send an email to info@createsolidwealth.com.

Bio
When Agada lost both parents before age 9, she was told that her place was at the bottom of the table where there is lack and scarcity. But rather than shrink to the bottom, Agada decided to create her own wealth table. Today Grace O. Agada is the most sought-after financial planning expert. She is a renowned author and keynote speaker and popularly known as the Middle Class to Upper Class Mentor. Agada is the author of three books and possibly the most widely read financial articles. Her articles are spread across seven national newspapers and four of the most popular Nigerian blogs. Agada is also the Founder of the University of Wealth MBA programme and is on a mission to shrink the middle class and populate the upper class. Agada has been featured on BBC Africa, Business Day TV, Inspiration FM. and inside Naijatv. And she consults for numerous top organizations, company directors, CEOs, senior executives, and high-income professionals.

 

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Business Intelligence

How To Know You Will Achieve Financial Freedom

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How To Know You Will Achieve Financial Freedom

By

Grace Agada

One of the wisest things to do early on in your career is to know upfront if you will achieve financial freedom. And to then assess what kind of financial freedom you will achieve and what your chances are of achieving total financial freedom. This is because not everyone that sets out to achieve financial freedom will achieve it.

Research shows that out of every 100 people only 20% achieve financial freedom. And out of every 100 working professionals only 15% will end up in retirement financially free.  The big question is-Where would you be at the end of your career? And what gives you the confidence that you will achieve financial freedom? Thus, the goal of today’s article is to show you some of the factors that will affect your ability to achieve financial freedom. And to then show you how to increase your chances of achieving it if your current chances are low.

But before we begin, let us first define what financial freedom is and what it means to be financially free. Financial freedom is the ability to fund your life from passive income. It is your ability to move from a life that is funded solely by active income to a life that is funded by passive income. To achieve financial freedom, you must separate your physical presence from your income such that your absence is no longer a disadvantage. This means that your income must come regardless of where you are, how you work, and whether you choose to work. This kind of financial freedom can only be achieved when you have investments whose investing work can be completed before retirement and whose cash-flow can last for a lifetime.

READ ALSO: How To Give Cheerfully And Still Achieve Financial Freedom

Judging from where you stand and the time you have left, would you be able to achieve this kind of financial freedom? The best way to know is to look at your current life. If 100% of your current life is still dependent on an active income, you still have a long way to go. The only way to achieve this kind of financial freedom is to create a stable passive income that is worth the size of your current income and then transfer your source of livelihood to it. Only then can you achieve total financial freedom.

The truth is your current active income only has one purpose. And this purpose is to provide you the resources that you need to be free from depending on a passive  income. If you fail to wean yourself off your active income before retirement, there will be unprecedented financial consequences awaiting you in the future.

So, now that you know what financial freedom is let’s see how to know you will achieve it without fail.

There are three factors that will show you if you would achieve financial freedom. And your understanding or ignorance of these three factors is what will determine your financial success.

The first factor is how you interpret your childhood experiences.

The second factor is who you are modelling.

And the third factor is discipline.

How you Interpret Your Childhood Experiences
One of the things that will affect your financial decisions in life is your childhood experiences. Your childhood experiences will affect how you spend, save and what you invest in and prioritize as important. Yet your background and childhood experiences only play a little role in determining your overall success. This is true because successful people come from poor backgrounds, and successful people also come from rich backgrounds. So, no matter your background you can achieve financial freedom. But there is one thing that can determine your success to a greater degree. This one thing is how you interpret your background and childhood experiences.

There are only two interpretations that you can derive from your childhood experiences. The first is a positive interpretation and the second is a negative interpretation. Positive interpretations see the good in your background and experiences and uses this good to propel you towards success. It also helps you make more wealth-creating decisions. Negative interpretations see the bad in your background and experiences and uses this bad to demotivate you from success. It also uses this bad to help you make more wealth-draining decisions. Thus, the most rewarding positive interpretation to have, is to see your background as the reason why you will be successful. And the most negative interpretation to have, is to see your background as the reason why life is hard for you.

A person with a negative interpretation sees themselves as deprived and disadvantaged. The moment they begin working, they will make decisions that drain their income and give them only little room for savings.

For example, they will use their financial freedom money to put their children in the kind of schools they couldn’t go to even though they became successful without going to expensive schools. And even when success is no respecter of school.

They will use their financial freedom money to stock their houses with foods items, that make them feel rich and special even though these foods are unhealthy and will land them in the hospital in retirement.

READ ALSO: Short-term Vs Long-term Investing – The More Sure Path To Financial Freedom

They will also create an easy family environment removing any kind of pain, discipline, or delayed gratification even though success requires pain tolerance, patience, and resilience.

The results are children with Queen’s  English, fancy university certificates but with no real skills to help any employer. Parents are having to carry the load of their graduate children longer than necessary.

Children are now sicker, fatter, entitled, and lazy

And worse of all is that they are now more emotionally fragile in a world that requires toughness to survive.

All these have happened because we are trying to run away from our childhood experiences, the same childhood that made us who we are.

Your childhood and background may not be perfect, but they gave you a gift. Today you are the hardworking, resilient, and responsible breadwinner and provider even without  Queen’s English, fancy certification, or unhealthy foods. All these did not fall on you from heaven, they came from your background. Until you begin to see the good in your background and rid yourself of your expensive childhood deprivations and cravings, there will not be any money left to pursue financial freedom.

Successful people never look at their background in a negative way. They celebrate their humble beginnings and use their backgrounds as the motivation to strive towards success. The less material things you need to feel happy, important, and accepted the faster you will achieve financial freedom. Similarly, the more you know why you do the things you do the faster you will achieve success.

Who You Model
The Fastest way to achieve any goals is to find a role-model and tap into these three things-Their knowledge, their beliefs, and their actions. You must learn and model what they are doing, what their core beliefs are, and how they are thinking to get the same results.

The problem is most of us never grew up around wealthy role models. We grew up around the middle-class. This means that without the extra effort and commitment to find a wealthy role model you won’t make it. You must be able to always ask yourself-What will a wealthy man do in my situation and what will a poor man do? And to then ensure that you are making more of a wealthy man’s decisions than a poor man’s decision. Unfortunately, it is easier to model a poor man’s decision than a wealthy man’s decision because poor men’s decisions are easy and poor men are all over the place. But until you model the wealthy man you cannot achieve financial freedom.

Thankfully, you can easily find wealthy role models today. There are several of them online and there are also at least three present at your office 24/7, every day, from Monday to Friday. But rather than connect with them and model them you are busy resenting, hating, or judging them. Only a successful person can show you how to become successful and only successful people can help you achieve financial freedom.

If you keep modeling your middle-class colleagues and the people you saw while growing up, you will end up in retirement dependent just like your parents.

READ ALSO: How To Make Your Financial Freedom Dreams Come Through Half The Time

Your Discipline
There is only one thing that makes a person willing to act, even when they do not feel like it or are afraid to do it-it is discipline. Discipline is the only way to achieve financial freedom. And without discipline you cannot achieve financial success. The reason discipline is important is because success requires tough-level decisions and the commitment to a future that is worth fighting for. Discovering a purposeful future and taking disciplined action is not a fun thing to do. So, most people spend their adult life doing the easy things and postponing the hard things that lead to success. But until you do the hard and high-standard things you will not achieve financial freedom.

Knowing what to do to achieve financial freedom is easy-now you know. Doing what you know is the hard part-and frankly this is what is holding you back from achieving financial freedom.

Perhaps you need help to achieve financial freedom. We are the best to help you. To see if you qualify for our help, send an email to info@createsolidwealth.com.

“Your background is a rich background as long as you learned something from it and this something made you successful.” Grace Agada.

About Grace Agada

Grace O. Agada is the most sought-after financial planning expert in Nigeria. She is a renowned author, financial expert and keynote speaker. Agada  is popularly known as the Predictable Financial Freedom Advisor and her goal is to help working professionals escape middle-class poverty and transition to the upper class. Agada  is the author of three books and possibly the most widely read financial articles. Her articles are spread across seven national newspapers and four of the most popular Nigerian blogs. Agada  is also the founder of the University of Wealth, the Rich Retirement Bootcamp, and the Wealthy Business MBA Programme. Agada  has been featured on BBC Africa. Business Day TV. Inspiration FM. and inside Naijatv. And she consults for numerous top organizations, company directors, CEOs, senior executives, and high-income professionals.

 

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Business Intelligence

How To Give Cheerfully And Still Achieve Financial Freedom

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How To Know You Will Achieve Financial Freedom

By

Grace Agada

 The number one reason why you exist on the planet is not just to survive but to achieve a worthwhile goal. This goal can be your mission, your purpose, or your assignment for which financial freedom is part of it. But to achieve this goal you need the help of other people. Success can begin with your own strength but to create lasting wealth you need the help of other people. Thus, you need the help of other people to achieve your goals in the same way that other people need your help to achieve their goals. And the only way to give or get help is through the act of giving.

Giving is the act of assisting, supporting, or helping others achieve their goals. And giving is essential for financial success. Yet not all giving leads to financial freedom. In fact, a certain kind of giving leads  to financial bondage. Thus, the way and manner you give will determine whether you achieve success or failure.

There are two kinds of giving. The first is cheerful giving and the second is resentful giving. Cheerful giving is the giving that helps  others achieve their worthwhile goals with resources that you are willing to invest, let go or do without. It is called cheerful giving because this kind of giving creates fulfilment. It is giving that gives you the opportunity to participate in the advancement of someone’s destiny. And it is also aligned with the way we naturally want to give. We all agree that each of us need help to achieve a worthwhile goal, thus, we are more open to this kind of help.

READ ALSO: Short-term Vs Long-term Investing – The More Sure Path To Financial Freedom

Resentful giving in contrast is giving that is focused on helping people survive. It is targeted at people who for some reasons cannot survive on their own. It is called resentful giving because it creates frustration in the giver. We all agree that everyone at the minimum should be able to take care of their own basic needs. Thus, resentful giving makes you do for others what they should be doing for themselves. In doing this you postpone your own goals and put yourself in a more fragile financial position. Worst of all is that this kind of giving does not produce any real growth or advancement in the receiver. Receivers become perpetually dependent on you and as a giver you lose the reward for giving. The only giving that will get a reward is giving that is done cheerfully. Giving done under compulsion or with a grudge wastes  valuable resources . Yet this kind of giving is what is most common among the middle-class.

The typical middle-class family is littered with this kind of giving as there are more dependents than providers or  breadwinners. We encourage it in our families and cajole or manipulate people to do it just to gain favor with other family members. In fact, our parents are a perfect example of this kind of giving and where this kind of giving can lead you to at the end of your career. If you do not want to end up in the same place as your parents, you must elevate the standard of your giving beyond that of  your parents. Resentful giving does not only delay your financial success, but it also funds and incentivizes irresponsible behaviors, laziness, and entitlement in the family. The best way to give is to give cheerfully.

So, what is cheerful giving and how does one give cheerfully when resources are limited, and receivers are plenty?

The answer is simple.

Cheerful giving is giving that is targeted at helping others achieve a worthwhile goal. It is the kind of giving targeted at people that you have qualified and vetted to be deserving of your help.

To give cheerfully, you must do Four things well.

First, you must be a good receiver. Second , you must give in the right order. Third, you must give for the right purpose. And fourth, you must expand your giving beyond money.

Let’s look at each of these components in detail.

Be a Good Receiver

One of the reasons why people suffer financially is because they are good givers but very poor receivers. To give cheerfully, you must experience cheerful giving yourself. Being a good receiver is about allowing others to give to you. When you experience giving yourself, giving to others becomes second nature. The true essence of giving is not to alleviate poverty or help people survive. But to help people achieve their worthwhile goals. And if you still have big goals to achieve then being a good receiver is the only way to achieve them. Being a good receiver enables other people to invest in your dreams. And this is the only way to turn the act of giving from a one-way unfair situation to a win-win situation that serves you.

So how do you become a good receiver?

To become a good receiver, you need to form upward relationships with high achievers and members of the upper-class. Forming upward relationships is different from forming downward relationships.  And both require different skills. While downward relationships are easy to form and can be managed using money, upward relationships require certain discipline, high standards and protocols that must be adhered to. Also, money is not the major means of helping your upward relationships. Upward relationships need help with the things that money cannot buy and those things that can produce or buy more money. Thus, you need to become a certain kind of person to succeed with your upward relationships. But until you become this person that is magnetic to upward relationships,  you would only be giving to others, and there would be nobody to give to you.

READ ALSO: How To Make Your Financial Freedom Dreams Come Through Half The Time

Give in the Right Order

There is a way to give that leads to financial freedom and there is also a way to give that leads to financial bondage. Giving that leads to financial freedom follows the God order stated in the bible. And giving that leads to financial bondage follows another order called society or family order. The God’s order states that you are to give to God first. Even God does not require sacrificial giving from you; he only requires 10% of your income. Next you are to give to yourself. You can only give to others after you have first given to yourself. And the third is to then give to others. Thus, the only way to give cheerfully is to follow the God order. The society order states that you should first give to God. So, both orders agree on who should be given to first even though society still makes giving to God optional. The second person society recommends that you give to is others. And they recommend that you give sacrificially here. And then whatever is left you can then give to yourself. Little wonder society is broken. If you follow society’s order of giving you can never achieve financial freedom or practise cheerful giving.

Give for the Right Purpose

There are only two purposes for giving-The first purpose is to fund the independence of the receiver and the second purpose is to fund the dependence of the receiver. Independent giving is giving that is focused on helping others achieve a worthwhile goal. Goals that create wealth, increase opportunities, open doors, or make the receiver financially independent. Dependent giving is giving that is targeted at helping people survive or meet basic needs. This kind of giving does not produce any tangible result. To achieve financial freedom with speed you must do more independent giving than dependent giving. You must also find high achievers and invest in them. And then you must extend your giving beyond just family members. Investing in family members alone is a sure path to regrets as you do not have all the smart people in your family alone. Thus, your purpose for giving should be to advance human life in general, better your own life in the process, and make the world a better place.

Expand Your Giving Beyond Money

There is only one reason why giving to the lower class leads to financial struggle-it is because most people hinge their giving solely on money. Yet giving at any level can transcend beyond money. But you can only elevate your giving beyond money when you create other currencies that you can give beyond money. The fastest way to create a rich bag of currencies is to form relationships with high achievers and members of the upper-class. When you develop a rich relationship network there are a whole lot of problems you can solve for people without using your money. If you are ever going to achieve financial freedom you must create options for giving other than money.

I think the subtle point I am trying to make in today’s article is this- Your giving should not force you into poverty at the end of your career as it did your parents. If you give the right way you would achieve financial freedom otherwise you would fail.

Perhaps you need help giving and receiving more intelligently, forming richer relationships, and achieving financial freedom. We can help you. Send an email to info@createsolidwealth.com

Bio

Grace O. Agada is the most sought-after financial planning expert in Nigeria. She is a renowned author, financial expert and keynote speaker. Agada  is popularly known as the Predictable Financial Freedom Advisor and her goal is to help working professionals escape middle-class poverty and transition to the upper class. Agada  is the author of three books and possibly the most widely read financial articles. Her articles are spread across seven national newspapers and four of the most popular Nigerian blogs. Agada is also the founder of the University of Wealth, The Rich Retirement Bootcamp, and the Wealthy Business MBA Programme. Agada  has been featured on BBC Africa, Business Day TV, Inspiration FM  and inside Naijatv. And she consults for numerous top organizations, company directors, CEOs, senior executives, and high-Income professionals.

 

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Business Intelligence

Short-term Vs Long-term Investing – The More Sure Path To Financial Freedom

Published

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How To Know You Will Achieve Financial Freedom

 By

Grace Agada

There are two paths people take when seeking to achieve financial freedom. The first path is the short-term investing path and the second is the long-term investing path.  If you were to choose a path based on the timeline alone, the short-term investing path will be the obvious choice. But that will be an unwise decision to make. The wiser decision is to ask yourself if there are more important criteria to consider than timeline – and there are. For example, you need to ask yourself – Why am I investing and what end goal am I trying to achieve? You also need to know which of these two investment paths will deliver your desired end results faster? And finally, you need to know the path that possesses the most guarantee of delivering your desired result. Answering these questions will give you a better perspective on which path to choose and follow.

For example, we know from experience that not all shortcuts eventually become shortcuts. Most shortcuts turn out to be longer cuts at the end of the day. So, you need to be sure that a shortcut will end up being a shortcut for you. It is also important to note that the timeline of a thing is not as important as whether you achieve the goal you set out to achieve in the end. Thus, hinging your investment decision based on timeline alone is a short-sighted approach to investing.

For over 12 decades research shows that 80% of working professionals have been matching into retirement with a lower quality life. All of them are investors that have engaged in one form of short-term investing or another . Some have even spent their entire career life investing. Yet, all of them fail to achieve financial freedom before retirement. If short-term investing were really working short-term, it would have been possible to achieve financial freedom within a 30-year work life. But for many this is not so. Thus if you spend your active career life investing in ways that deliver everything else but the ultimate goal of investing, then you have simply wasted your time and pain awaits you in retirement.

READ ALSO: How To Make Your Financial Freedom Dreams Come Through Half The Time

The truth is financial freedom cannot be achieved through short-term investing efforts. Especially when these efforts come with little or no guarantees. But you also do not need 30 years of active investing to achieve financial freedom. You can achieve financial freedom in half the time if you invest in ways that hit financial freedom straight on the head. The more guarantee you can have on an investment path the more likely it is that you will achieve your desired end goal. Investing is thus not a guarantee to financial freedom.  You can invest all you want and still not achieve financial freedom. The only way to achieve financial freedom is to enter the financial freedom path.

So, what is the financial freedom path?

The financial freedom path is the path that leads to financial freedom. To succeed on this path, you need four things. The first is time. The second is money. The third is a plan. And the fourth is investment neutrality.

Time is a critical factor in investing as it gives everyone a level playing ground. With time a person with little resources can achieve comparable investment results like the person that has large resources but no time. Without the introduction of time people with little resources cannot afford investing or achieve comparable results like their richer counterparts.  Thus, if you still have time but little resources, you should leverage  time as time is your greatest asset. The only way to achieve financial freedom with little resources but ample time is to focus on investing for financial freedom and not rush after quick and unstable returns.

Money is also another big advantage if you lack time. With the right size of money, you can achieve financial freedom within a shorter time. But this will only be possible if you have the right plan and follow the right guidance. The right plan is a financial freedom investing plan. And the right guidance is an advisor who themselves have achieved financial freedom. No amount of money is immune to a loss. And despite the amount of money that you have you can lose all of it or tie it down in the wrong investments with the wrong plan and advice. Thus, if you have money, the only other thing that can hold you back is the wrong plan and advice.

Take a look at your own life for a moment and assess where you are and the goals that you have accomplished. All of them were  made possible by the plan and advice you have followed before now. While they have brought you this far, they may not be able to take you further. If you have not yet achieved financial freedom, chances are high that they have taken their full course. To move to the next level, you need a new plan and advisor.

READ ALSO: Middle-Class Poverty And How To Escape The Rich Dad, Poor Dad, Same Dad Syndrome

BLastly you need to develop investment neutrality and approach investing from a result-based perspective. Many people fall in love with their investments such that they cannot move away from a bad investment decision or detach from a low performing investment. They fall in love so badly that they are blinded by emotions. Here is some advice, if this is you. You can invest your love in your spouse, your children and your neighbor. If you still have some love left, send some my way wrapped as a gift- I will take it if it keeps you from throwing all that love on your investments. Your goal as an investor seeking to achieve financial freedom is not to love the investment. But to choose only investments that can deliver financial freedom. You must detach your emotion from investing if you will ever achieve success. If you can invest 10, 20 or 30 years of your life going to a job that you do not necessarily love just to pay the bills, you can invest objectively in investments that deliver the right results and forget about your feelings or ego.

You have a 30 year career life, a crawling salary, time that is tied to one source of income and a disturbing retirement gate. You cannot invest like everybody else.  To achieve financial freedom, you must decide to think like the wealthy class. The wealthy class never pursue quick wins or get rich quick schemes. They are methodical, strategic and are the wealthiest people on the planet. If we are to compare results, their results show that their way is working. If you will ever achieve financial freedom, you must learn their ways. The ultimate goal of investing is to achieve financial freedom. Any investment effort that falls short of this goal will keep you in perpetual financial bondage.

If you need help getting on the financial freedom path, we can help you. Send an email to info@createsolidwealth.com

Bio

Grace O. Agada is the most sought-after financial planning expert in Nigeria. She is a renowned author, financial expert and keynote speaker. Agada  is popularly known as the Upper-Class Mentor and her goal is to help working professionals escape middle-class poverty and transition to the upper class. Agada is the author of three books and possibly the most widely read financial articles. Her articles are spread across seven national newspapers and four of the most popular Nigerian blogs. Agada  is also the Founder of the University of Wealth, the Rich Retirement Bootcamp, and the Wealthy Business MBA Programme. Agada has been featured on BBC Africa. Business Day TV. Inspiration FM. and inside Naijatv. And she consults for numerous top organizations, company directors, CEOs, senior executives, and high-income Professionals.

 

Read more authentic news on our social media platforms

 

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