The fastest way to build wealth? Here’s the real answer.

I get this question more than almost any other:

“What’s the fastest way to build wealth?”

Most people want the magic shortcut.

A hot stock.

A tip from a mate.

Some “AI boom” investment.

But the truth is, long-term wealth isn’t built from guesswork, hype or shortcuts.

It’s built from clarity.

So I want to share a framework we use with clients that cuts through the confusion.

It’s simple and powerful:

Why → What → Wealth → Ways.

Let me break it down.

Start with your WHY.

Why do you want wealth in the first place?

Freedom?

Time with family?

Leaving work earlier?

Helping loved ones?

Giving more to charity?

Your why is the fuel.

Then comes the WHAT.

What does the goal actually look like?

Retire at 50.

Have no debt.

Take 6 weeks of holidays every year.

Earn $100,000 a year without working.

When you get crystal clear on the WHAT, you can finally measure it.

Now we calculate the WEALTH number.

The magic number in property, shares and super needed to support your lifestyle… and generate your future income.

For example:

If you want to live on $100,000 a year without working, your wealth number may be around $2 million.

Once you know the target, the fog lifts.

Then comes the WAYS — the part people always jump to first.

But it only makes sense once the first three steps are clear.

The most powerful wealth builders are the three ISE levers:

Income– the higher your income, the more options you have.

Savings– your savings rate determines your momentum.

Equity– in property or investments allows you to invest faster and accelerate growth.

Here’s a simple example to show how this works in real life.

Imagine a household earning $220,000 a year.

If they save 15% of their income and use $300,000 of equity from their home, they can build wealth far faster than someone earning the same income but saving only 5% with no equity.

Why?

Because income gives you options.

Savings give you momentum.

Equity gives you leverage.

And with the right structure, a $2 million portfolio can generate around $100,000 per year of income in retirement.

Not from guessing.

Not from luck.

From a clear Why → What → Wealth → Ways plan.

So why don’t most people grow wealth?

Here are the three biggest blockers I see:

1. Fear of risk.

They heard a horror story, lost money once, or feel overwhelmed — so they avoid investing altogether.

2. Beliefs and mindset.

“We’re not wealthy people.”

“Investing isn’t for us.”

“My parents didn’t do it and they were fine.”

These beliefs quietly keep people stuck for decades.

3. No willingness to sacrifice today for tomorrow.

They spend everything they earn.

Lifestyle grows faster than income.

No space is left to build anything meaningful.

There’s a quote I always come back to:

“Build a life you don’t need a holiday from.”

Wealth isn’t about being rich.

It’s about having options.

If you want help mapping out your Why → What → Wealth → Ways plan, SMS “PLAN” to 0483 937 777 and we’ll walk you through it or update yours for our existing clients.

Talk soon.

7Wealth Pty Ltd ABN 44609210246 is a Corporate Authorised Representatives and is authorised throughCobalt AdvisersPty Ltd ABN 64 628 654 099 who is an Australian Financial Services Licensee 512550. 7Wealth Pty Ltd is a Credit Representative ofAustralian Finance GroupLtd ABN 11 066 385 822 (AFG) Australian Credit Licence 389087.
This blog contains information that is general in nature. It does not constitute financial or taxation advice. The information does not take into account your objectives, needs and circumstances. We recommend that you obtain investment and taxation advice specific to your investment objectives, financial situation and particular needs before making any investment decision or acting on any of the information contained in this document. Subject to law, Cobalt Advisers Pty Ltd nor their directors, employees or authorised representatives, do not give any representation or warranty as to the reliability, accuracy or completeness of the information; or accepts any responsibility for any person acting, or refraining from acting, on the basis of the information contained in this document.