Wealth Creation

What is Wealth?

Wealth comes in many forms and the word itself is best described as “plenty”.
You may have heard about people who have a wealth of knowledge. Yet the most common use of the word is used to describe “riches” in monetary terms.
For that matter, this section aims to provide you with inspiration to grow your wealth related to money and riches.

"Being wealthy isn't for me."
Average Joe
Average Joe
Employed and unhappy

Why is being Wealthy such a great thing?​

Because it sets you free. Ultimately, you won’t have to actively spend your time and energy to generate income, as your money generates more money on your behalf.

Working becomes optional, and thus much more enjoyable.

Just imagine being able to work because you love doing what you’re great at, without worrying about making ends meet.

And now imagine yourself changing your relationship to money. Make it work for you, instead of working for it. Money isn’t bad. Your relationship is set up incorrectly.

Freedom with friends

Your relationship to money

Many people dislike (the topic of) money. Either because they experience a lack of it, have seen people being destroyed by financial ruin or stress, or simply don’t understand how money works.

Money in itself doesn’t do anything. It’s us, people, who give it a certain meaning. And it’s us deciding how we relate to money.

Imagine yourself changing your relationship to money. Make it work for you, instead of working for it.

Money isn’t bad. Yet your relationship with it may be set up incorrectly.
Nothing we can’t change 🙂

Bank card laptop
"Money & wealth are bad!"
Average Jane
Average Jane
Hates rich people

How do I start growing my wealth?​

The first step to growing your wealth is to put yourself first. Whatever you do in life must align with your best interests and with the definitions of Success that you’ve set for yourself. Without focusing on yourself, you’ll spend way too much time, energy, and money working for someone else’s benefit.

Defining Success
We’ve written a full guide to defining your definitions of Success righ here (click), accompanied by examples.
We highly recommend you to study this before reading on.


Keeping your money

The simplest way to grow your wealth is by structurally growing your income. And to spend less than you receive.
Keeping this simple equation positive means that you accumulate wealth.

Congratulations if you keep more money than you spend, as you’re already ahead of most people!

Making money
Everyone can make money. No matter the situation or mood you’re currently in, you’re able to make money. That’s great to know, right?

The key question to ask yourself is not “How do I make much money?”, but “How do I help people so that they give me much money?”.

Take a moment to list your personal qualities, your skills, and the way in which you have helped people in the past. How did you monetize yourself?
What are some of the things you’re really great at and that you love doing?

Now, pick the most appealing way of receiving money and focus on it.
At this point, you shouldn’t care whether you’ll do this by working as an employee or being self-employed.
What’s most important is that you have found the 1 thing you’re going to focus your work efforts on. And you know “why” you do it.

This is now your primary source of income!

2 key principles

Now, let's answer the million dollar question...

How do I make money?​

Generating income

The easiest way to upgrade your skills and to increase the amount of income you generate is by investing your time and energy in yourself.

It may sound cheesy, or you might even say “Ain’t nobody got time for that!”, but embracing yourself as the most important thing in life is the best and most productive thing you’ll ever do 🙂

Generating more income

You defined your primary source of income. Now, what is required to help your clients even better?

Do you need to learn a new language? Learn to code? Learn how to behave around (new types of) people, how to talk, how to react, how to handle emotions?
The majority of people will never ever revise their skills, their routines, their habits, their flaws. By doing this simple exercise you define your potential for growth, as well as your need for immediate adjustments.

Once you’ve started investing in yourself, it’s time to look into scaling your income by getting more clients and/or selling more services/products.
As your time is limited (you can’t ever work more than 24 hours per day), you’ll have to set up processes to sell your service/product in a hands-off manner.
Use automation to sell online and hire people for any process requiring physical sales and other workload.

Congratulations! You have transformed yourself into a person that is focused on your Success, knows how to make money, knows why you do what you do, and you are gradually becoming better at it. “Gradually” doesn’t mean “easy”. This way of living is far from easy, as it means being honest to yourself, not letting others take care of you, not blaming anyone when things don’t go your way, and being in heavy pain throughout your growth. But man, is it rewarding!

Generating income slow vs. fast

Of course, you can skip the step above of “Generating more income”. Yet depending on your definitions of Success, it may take (much) longer to reach your goals by only investing the money you make from your primary source of income.

Instead of choosing the comfortable (and often hyped) path of pursuing passive income using a small lump-sum amount of money, choose to systematically grow your income and then keep investing this sizeable amount of money periodically to supports your success & freedom!

Creating new income using your money

And as if living on your own terms and working towards freedom wasn’t nice enough – you can make things even nicer!

Once you’ve started growing yourself and your business, it’s time to invest your income in order to make new money by using current money.

“Wait, what?”. 
Yes, you read that right. You are able to generate money by investing your money. In fact, it’s a very enjoyable way of making money, for many reasons.

Is it without any effort? No.
Is it better than working that job you hate and/or scrambling for cash? Yes.

A guide to investing your money

Why invest?

This is a question you have to answer for yourself, based on your definitions of Success. Feel free to take the below as your starting inspiration.

For us here at Happy Inspirer, investing enables these definitions of Success:
– Living a content and calm life, free of money-related stress and mood swings.
– Having the freedom of choice to decide how to allocate our time and attention.
– Having the financial means to spend quality time with our family & friends.
– Controlling the scale & quality of our income.
– Limiting the impact of inflation and increasing our income.
– Growing our knowledge and learning new ways to play the game called Life.
– Giving back to society and making a positive impact on our world.

And we’re working towards:
– Freedom for our wider family.
– Enabling generational wealth for our future generations.


Who should invest?

Anyone who chooses to make money work for them, instead of working for money.

We have been programmed in certain ways by our parents, social environment, and wider society. This in itself isn’t wrong or good. It simply is a fact.

What would be wrong though, is to not change our programming.
This often takes a (huge) change in your perception of life and the world. It certainly did for us. And that gives us all the confidence in the world that you can change your future, too, when you choose to!

Everybody invests

Who can invest?

Due to the difference in laws per country and/or state of residence, please consult your local legal requirements to see under which conditions (like your age) you are eligible to invest in different asset types.

Legal requirement

When to invest?

Once you have a considerable amount of money saved in an emergency fund, a decent amount of savings, and most importantly, one or multiple streams of income from your employment and/or business

Check out our Income Allocation guide to see how we at Happy Inspirer split our income into different buckets of expenses, including our investments.

Money allocation

What is your investment timeline?

Your definitions of Success in life determine your investment timeline. It’s entirely up to you whether you choose to invest in a certain asset type and how long you’re planning to hold it, to achieve your goals.

If there’s one point of caution, it’s this: Never invest for a quick gain. Your money takes time to grow. And the longer you give it, the more time it has to compound over time, and make you free & happy.

At Happy Inspirer, our investment timeline spans across future generations. We invest the majority of our money into long-term assets.

Your investing timeline

What is your Risk tolerance?

Know that when investing your money, you’re able to lose all of it. And if you choose to apply leverage or other advanced methods, you can even lose more than your original deposit.

Always protect your downside (the amount of money you can lose), whilst strategically investing in assets with great upside (the return you can gain).

Before investing, educate yourself on the different types of assets and their general risk-reward ratio, and set your risk tolerance, based on your definitions of Success.

Also, learn from the mistakes of others. What has cost them doesn’t need to cost you!

Risk management

Setting your Strategy

As with everything in life, if you don’t know “why” you do something, you won’t know “how” to do it best.

If you still do not know “why” to invest at this point, then do not worry about it, don’t push yourself into doing something you’re not comfortable with, and exit this page altogether. Revisit it once you’re ready, as there is nothing worse than not being aligned with your “Why”.

The “How” is a complex process, as there are many different things to consider when setting your investment strategy.
Whatever you do, never copy anyone else’s full or partial strategy, as everyone’s situation is different and all of us have different goals in life.

That said, once you have set your Definitions of Success, you’ll need to start the exciting process of putting together your Investment Strategy.

And to help you getting started, as well as to provide you with some inspiration, you can check out Happy Inspirer’s Investment Strategy (click).

Financial planning

How to invest?

As everyone’s current & future personal situation is different, there is no way for us to tell you how to invest.

What we shall do, however, is to take you by the hand and show you the different types of most common assets. An asset is a resource with an economic value that you own with the expectation that it will provide a future benefit. 

We split asset types into 2 groups: the ones that enable growing your wealth and the ones that preserve your wealth. You’ll see that there is some overlap between the two.

Investment strategy

Asset types

7 asset types to grow wealth


Indexes, Growth & Dividend stocks

Real Estate

Investment-grade real estate


The new thing


From direct personal loans to P2P real estate.


Mass-investing in start-ups

Private Equity

Supporting private companies

Vested Equity

Hold stock of the company you work at.

Wall Street - stocks


Relative Risk/Reward: Safe

When purchasing conservative stocks and avoiding hypes, the stock market has returned postive results over the last 100+ years.

Relative level of effort: Low

When investing in a handful of stocks you've investigated well, or when investing in a broad basket of stocks, you'll have to invest limited time.

Money required to invest: Little

Thanks to fractional shares, you can get started with any amount of money, as low as $1.

Real Estate

Real Estate

Relative Risk/Reward: Safe

Overall, real estate is one of the best stores of value, as the price of well-maintained real estate usually appreciates.

Relative level of effort: High

Investing in real estate is far from passive. Even if you invest in the 'simplest' form through P2P loans, you still need to understand the numbers behind the deal and macro-economic trends to mitigate your risk.

Money required to invest: Little to Lots

Depending on the transaction type, you can choose to actively buy a block of buildings, a house/apartment, or passively invest in someone's syndication or P2P project.

12 asset types to preserve wealth

Real Estate

Again? Yes!
Real Estate is a great asset for appreciation & preservation


If vetted well & bought at good value for money


Little excitement, quality safety


Even less excitement, by hedging against inflation.


Physical gold, silver, etc.


Sugar, wood, coal & more


High margins for error, yet rewarding when purchased correctly


Perfect for mid-life investment diversification


Let time grow your money, literally.


Don’t drink it, treasure it


Money-making decor


Furniture, postal stamps & memorabilia

Frequently Asked Questions

Most frequent Wealth & Investing questions and answers

What is the best way to start investing with limited funds?

Start by focusing on low-cost investment options like index funds or exchange-traded funds (ETFs) that offer diversified exposure to the market.
Fractional shares, Peer-to-peer lending, and crypto allow investing with little funds.

How can I minimize risk while investing?

Diversification is key to reducing risk. Spread your investments across different asset classes (like stocks, bonds, and real estate) and within each class (across different industries or regions). Additionally, consider your risk tolerance and invest accordingly.

What are stocks, bonds, and mutual funds?

Stocks represent ownership in a company, bonds are debt securities issued by governments or corporations, and mutual funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other assets. Each has different risk and return characteristics, so choose based on your financial goals and risk tolerance.

Should I invest for the short term or long term?

Long-term investing is generally recommended for wealth accumulation, as it allows investments to grow over time and potentially ride out market fluctuations. Short-term investing can be more volatile and speculative, often requiring more active management.

How do I choose a reliable investment platform or advisor?

Look for platforms or advisors with a strong reputation, good customer service, transparent fee structures, and appropriate regulatory certifications. Consider reading reviews and seeking recommendations from trusted sources.

What are realistic expectations for investment returns?

Investment returns can vary widely depending on the types of assets you invest in and market conditions. Historically, diversified portfolios of stocks and bonds have delivered average annual returns of around 5% to 8% after inflation over the long term, but individual results may vary. It’s important to remain patient and focus on long-term growth rather than short-term fluctuations.


Welcome to www.happyinspirer.com!

We want to make it clear that none of the content we create should be construed as investment advice. Everything shared on this platform reflects our personal experiences, knowledge gained, and the actions we’ve taken. Our insights have been earned through real-life experiences and the “school of hard knocks.”

It’s crucial to understand that each individual’s life circumstances are unique and cannot be replicated. Our primary aim is to inspire through our content.
However, it’s important to note that all investments involve risks, including the potential loss of capital.
If you choose to leverage your investments excessively, you could stand to lose more than your initial principal.

At Happy Inspirer, we take full responsibility for the investment decisions we make.
However, as a reader, you are solely accountable for the actions you take in life, whether it’s managing your calorie intake, allocating your time wisely, or making investment choices.

The outcomes of our intentional decisions, including gains from investments, belong solely to us.
Please be aware of the risks involved in investing and always seek professional advice tailored to your specific circumstances before making any financial decisions.

Remember, your life choices and their consequences are entirely yours to own.

Thank you for visiting Happy Inspirer and being part of our journey to inspire and empower!