Sometimes the most important differences are in where money is stored. And the picture here is quite illustrative.
🧱 Capital $10k–$100k
For people with modest wealth, assets are almost entirely composed of two items:
apartment + car.
According to Rosstat, 70–90% of the middle class's wealth is in housing.
That is, almost all the money is kept where it does not work.
💳 Capital $100k–$10M
With the growth of capital, the structure changes significantly:
the share of real estate is falling,
liquid savings are appearing,
the first investment portfolios are being formed.
This is the transition point from 'saving' to 'multiplying'.
🏦 Millionaires
Wealthy people are dominated by:
liquid assets,
shares in business,
investments.
Real estate is just a part of the portfolio, not its basis.
🏛 Billionaires
It's still simpler here:
70%+ of capital — shares in business and investments.
Personal belongings, cars, real estate — do not make a difference.
The main thing is assets that work 24/7.
🖋 Conclusion
The poor keep money where it is 'dead'.
The rich are where capital grows.
Are you already forming your first working capital or are you still saving for things?
#Finance #wealth #Investing #mindset
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