The Real Reason You Are Not Rich

Real Reason You Are Not Rich – Find out why the majority of people struggle to attain wealth and what you can do differently to secure your financial future.

Imagine, 100 dots representing the world’s population in terms of quality of life and living standards. To be rich, you need to be in the top 20%. On the other hand, being poor places you in the bottom 20%. The rest make up the middle class, which is further divided into upper and lower middle class, but that’s not our focus today.

Being rich is relative. You’re only considered rich compared to others. To qualify as rich, 80% of the population needs to have a lower quality of life than you. This concept applies both globally and within your local community. By simple statistics, if we agree on this top 20% rule, 80% of the population will never be rich. But we’re not done yet because there’s more to the story.

Our perception of wealth and quality of life is always relative. The basic math dictates that not everyone can be in the top 20%, or else it wouldn’t be the top 20%. Makes sense, right? If you compare today’s quality of life to that of a century ago, almost everyone on Earth now enjoys a higher standard of living. Here’s the mind-blowing part: unless you’re in the bottom 0.001%, your quality of life is likely higher than most kings and queens who ever lived.

Consider this: if you were a king in the 1600s or earlier and fell ill, your options were limited to witchcraft and alcohol. Life expectancy was under 40 years, and most diseases were fatal because witchcraft wasn’t exactly effective. It took another 200 years for us to begin developing modern medicine.

Today, we’ve been living better than kings with our cell phones, electricity, access to clean water, travel, and freedom from traditional slavery. Yet, you might not feel rich because of the top 20% rule—you’re only rich if you’re doing better than your peers.

But what does it take to make it into the top 20%? And why aren’t more people willing to do whatever it takes?

We’re glad you asked! It boils down to two simple truths—one of which is much harder to digest than the other. Here’s why most people don’t make the leap into the top 20% in terms of living conditions:

• Macro Scale: It’s about access to resources, information, culture, and infrastructure. This is why everyone in Switzerland is considered rich compared to those in South Sudan. People often love this argument because the reason for their poverty is generally outside their control—corrupt governments wasting resources instead of improving lives. This is factually true in many struggling countries.
• Micro Scale: The reason most people don’t become locally rich is that they aren’t willing to learn and make the sacrifices required for success. Yes, we’re going there. It’s only a small subset of the population willing to sacrifice decades of their lives, embrace high levels of risk with a very small chance of success, and break away from the general population for financial and societal gain. This is valid for both wealthy and developing nations. You can find examples of people who came from nothing and achieved greatness. So, it can be done.

However, most people ignore the dramatic level of sacrifice and discipline required to make the leap. If geography is the biggest factor keeping you in poverty, it often requires leaving your roots behind to relocate to places with more opportunities. It’s incredibly hard to leave your hometown, leave the familiar, and venture into the unknown on your own. And guess what? Over 80% of the population isn’t willing to take that kind of risk.

Statistically, you’ll likely be born in the same area as your parents, be educated there, find a partner within a 30-mile radius, spend your life working no more than 60 minutes from home, and probably die there too. This is a wake-up call for you, reading this blog right now. If you don’t maximize the opportunities available to you regionally, you’ll likely live an average, decent life—but nothing extraordinary.

The second part is testing your physical and mental limits. Can you work 8, 10, 12, or even 14 hours a day? Can you learn and keep doing it repeatedly without any immediate outcome? This part is about delaying gratification—a concept unfamiliar to 80% of the population. Self-control plays a big role here. Discipline is the highest form of self-love. Are you willing to learn every single day and apply what you learn over the medium to long term, knowing you’ll be better off because of it?

Money, success, and fame are long-term games of delayed gratification. They require work that compounds over time until a goal is achieved. Essentially, are you willing to sacrifice the present for the future? How much sacrifice are you willing to make? Are you willing to work while others party? Are you willing to learn valuable skills instead of being entertained? Are you willing to be ridiculed and laughed at for your efforts, knowing that practice and failure are all part of the journey?

Most people aren’t. Most people won’t even try, and out of those who do, many will quit at various stages of the process. But here’s the catch: because wealth is a delayed gratification game, you only win at the very end. If you quit at 20%, 50%, or even 80%, you get nothing. Wealth is the reward for enduring this sacrifice and coming out on the other side. Society works this way, and so will you.

Luck and timing also play significant roles. If you’re reading this blog, you’ve already won the luck part. If you’ve survived until now, you’re lucky. If you don’t have a major physical or mental disability, you’ve already won the luck part. You have access to technology, quality information, and the largest marketplace for opportunities humanity has ever known.

Every generation has its own unique opportunities to build wealth. For us, it was the internet revolution. If we were born 20 years earlier, we probably wouldn’t be able to connect with you the way we are now. If you’re born today, social media as we know it might be oversaturated, and your opportunity might lie in the gamification of AI or digital realities. This is why timing is crucial. You probably don’t want to start a physical newspaper business today.

Some elevators go up, and some go down—be careful which elevator you choose to enter. Find where the opportunities of your time are and focus your efforts there. Gain specialized knowledge in a field where value is being generated, and society will pay you for your skills. Most people aren’t willing to learn how to use the tools of the present because they’re so focused on the tools of the past. Those who do learn have a massive competitive advantage—that’s your opportunity.

Money, wealth, and success are much less complicated than the world makes them seem. Life is a winnable game.

Since you’re part of the winningthewallet.com and reading this blog until the end, here’s a secret bonus just for you: your ability to win isn’t dependent on other people. You’ll win based on what you do today, tomorrow, and every day moving forward. What other people say, do, or think is irrelevant. You’re not racing against them—you’re racing against the things that make your current life miserable, and most of them are under your control.

Even if you don’t win big, you have the ability and the responsibility to make your life suck less. So do it. Go through life believing that everything good can happen to you and pay no attention to the naysayers. You’ll find yourself surrounded by opportunities they’re blind to. You get wealthy when you don’t listen to those who say it can’t be done.

So, are you going to live your life based on what you want, or will you let others decide what your life should be like? Let’s see how many of you aren’t just looking to get into the top 20%, but make it all the way to the very top. If that sounds like you, write the word “TOP” in the comments.

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