What the Rich Won't Tell You

Secrets From the Rich

SW Financial Literacy

What the Rich Won’t Tell You

(But You Need to Know)

This may ruffle some feathers, and that’s okay. You don't have to say or do any of these things. My job here is to point out the differences I see, right or wrong that isn't for me to judge.

The way the poor and the rich think about money couldn’t be more different. And it’s not just about income, it’s about mindset, strategy, and scale.

While some focus on saving pennies, others are playing a much larger game — wiring in six- and seven-digit funds, investing in relationships, assets, and opportunity. It’s not that one group is smarter than the other, it's that they’ve been taught to think differently.

This isn’t a moral judgment. Just an observation of how different groups think. Often those with a few extra digits in their account are doing things the same way. If you want to grow wealth, you need to operate at higher levels of thinking. A 20% return compounds far faster than a 2% one — and it all starts with how you see the world.

Let me show you what I mean:

Poor: Buys lottery tickets and 6-packs.

Rich: Buys $5,000 training courses or spends $20,000 on ag education to generate $200,000 in lifetime returns.

📌 The poor hope to get lucky. The rich pay for knowledge that compounds. One bets on chance, the other bets on themselves.

Poor: Eats at 5 Guys to “save money.”

Rich: Pays $2,000 for a seat at a fundraising banquet. That check isn't for the steak, but for the networking.

📌 The poor think in terms of cost. The rich think in terms of access. A single conversation can return millions.

Poor: Buys a single-family home to flip or rent.

Rich: Acquires businesses or apartment complexes, improves operations, and sells on a 10x multiple.

📌 The poor focus on hustle-based income. The rich look for scalable assets that sell at multiples of the income generated, much higher than their appraised asset value.

Poor: Puts their money in CDs or savings accounts for 2% returns.

Rich: Are accredited investors seeking 15–20% returns in private deals.

📌 The poor want safety. The rich want growth, and they understand how to evaluate and manage risk.

Poor: Cuts back on chemical inputs to save money.

Rich: Invests $750K into technology or machinery that returns $2M over three years.

📌 The poor think linearly. The rich think exponentially. It’s not about cutting, it’s about multiplying.

Poor: Worries about inflation.

Rich: Watches CAP rates, EBITDA, and asset valuations.

📌 The poor react to the economy. The rich position themselves within it, and even use inflation to their advantage.

Poor: Wants something, tries to save for it, gets frustrated, then puts it on a credit card.

Rich: Wants something and finds a way to create enough value to earn it in cash.

📌 The poor consume. The rich produce. Wealth is attracted to those who solve problems and serve markets.

Poor: Focuses on saving as the only path forward, a slow, limited energy.

Rich: Focuses on building, launching, creating, and trusts that money follows value and momentum.

📌 The poor hoard energy. The rich generate it.

This isn’t about shame. It’s about awareness.

No, in a time of tight margins I don't expect any farmers to stick their neck out with outrageous expenses to hope for hitting it big. But you can start shifting your mindset to look for and prepare for the right opportunities.

If you want to change your financial outcomes, you have to start changing the mental operating system behind your decisions. Shift from a scarcity mindset to an abundance mindset. From preservation to production. From spending to investing.

Wealth isn’t just earned, it’s engineered.

Have a great week!

Grant