WealthCE is given to you for free. Why? Because we believe this material should be taught in every classroom from a very young age. This information should begin in kindergarten and be reinforced each year afterward. Unfortunately, it’s taught in none. It isn’t taught in elementary, middle, or high school. In fact, it’s rarely even a requirement or course in college.

This is a multi-generation, multi-national, societal failure. Failure to educate people in financially beneficial behaviors results in multitudes of people, slipping through the financial cracks of their societies. Many people fail to learn the basic principles of wealth building unless they teach themselves or someone else educates them. They are more likely to make a mistake, or a series of mistakes, that result in poverty. If they are born in poverty, they may not have a serious chance to escape it.

This also accelerates divides in society. Many of the wealthy understand the presented information in its entirety or have many people working for them who do. The middle and lower class often never learn this information. They must spend cash, of which they have little supply, on books, Get Rich Quick DVDs, or “wealth classes”. Tuition for financial college courses either requires large outlaws of upfront cash or long-term interest payments for student loans.

WealthCE has been created to delete the cost barriers between you and financially beneficial information. WealthCE exists to eliminate the idea that you have to spend money to learn how to properly earn money. You should not have to spend cash to learn. You should have been taught this information earlier.

In life, you see a lot of material images and attractions. You constantly see images and advertisements of luxurious, expensive, amazing things. Don’t be distracted. Your focus is the actual luxury of financial freedom. Do not focus on the materials.

Luxury purchases should be purchased only after you’ve crossed a wealth threshold. You should begin to purchase luxury items after you have secured your financial life and built substantial wealth. This results in you having both luxury and freedom. Those who purchase materialistic items before they have secured their financial existence waste their own time. They dive into a constant circle of accumulation followed by waste: They grind cash, purchase something, and watch it lose value. Eventually, they sell it for pennies on the dollar. Or it tears, breaks, and crashes before then. Worse yet, they’ll buy excessively depreciating items on credit. They may default on payments or sink deeply into debt attempting to maintain their lifestyle.

Materialism is the enemy of wealth. Those who focus on purchasing items consistently waste time, energy, money, and freedom chasing items. These items degrade, so they are not worth more than the future value of the money they cost. Very rarely should they be purchased anyway.

Wealth building inherently opposes materialism. Material luxury is delayed until your wealth has been acquired and built. As a Wealth builder, secure yourself first by eliminating debts while building an emergency fund. Then build a robust, secure, and risk-adjusted portfolio that provides you with growth and capital preservation. Then secure yourself for retirement. You will purchase luxury items only after you’ve completely built wealth. You shouldn’t splurge even when you have completed your finances. You will regulate and control purchases so you do not unnecessarily reduce your income, net worth, or investment returns. You will only spend money that isn’t needed to further your financial security on luxury items. You will also factor in the costs of maintenance and its results on their wealth.

People who don’t understand wealth construction see wealth builders wearing shiny luxury goods they crave. They become tempted by distraction and spend their money on the same goods. They foolishly assume the wealthy will be impressed, or care, about them wearing the same goods. These people falsely assume they can attain a sense of equal status by looking, dressing, or acting the same. Materialism (as well as luxury good business empires) is driven by this shallow approach to emulating wealth. This is not actual wealth. Wealth is a state of excess financial security, not an appearance. You are not wealthy simply because you look wealthy.

Focus on acquiring wealth first. Ignore the status and items of others completely. Most purchasers of luxury goods cannot truly afford them anyway. They have attempted to skip over the wealth building stage in favor of luxury. Many have high debt and low overall net worth because of materialism. Do not make the same mistake.

It’s highly advised you begin at the start of WealthCE’s principles section and read in order the content is presented in the menu. We do realize that most people do not have the time for this. If you want to utilize WealthCE as a reference, or an encyclopedia, you can do so at with slight risk you’ll miss some information.

Financial understanding, like math or science, builds on itself. It’s best to comprehend the basics and expand on that knowledge. You should be made aware that not every section will make sense if you skip over relevant materials. By moving around you risk skipping parts of your understanding.

Each section of WealthCE’s menu, even parts which expand or have subsections, contains text for you to read and absorb. Some also have equations, written in words so you don’t have to reference variable legend sheets, which you can practice with in your spare time.