A person's wealth ≈ IQ × FQ × EQ ✅

High probability matching is the truth

Not 100% absolute, but the wealth level is highly likely to be linked to these three quotients. Missing one makes it hard to stabilize the results!

💡 IQ: The stepping stone to wealth (foundational support)

IQ is the foundation of cognition, enabling quick understanding of rules and grasping the essence—whether in business or investment, it allows seeing through industry logic, distinguishing real opportunities from fake ones, and avoiding low-level pitfalls. Strong learning ability helps quickly fill cognitive gaps and seize opportunities. This is the foundation for wealth accumulation. Without IQ, one is prone to detours and being exploited.

💡 FQ (Financial Quotient): The amplifier of wealth (core leverage)

FQ is the ability to manage and grow money, understanding the logic of earning and resource allocation: knowing where to invest for growth, understanding risk control to avoid blind gambling, and leveraging compound interest. It’s not about earning and spending recklessly but delaying gratification, accumulating capital, and transforming wealth from quantity to quality. Without FQ, no matter how much one earns, the money won’t stay.

💡 EQ: The moat of wealth (key to stability)

EQ is the ability to control emotions and withstand risks: overcoming greed and fear, avoiding impulsive decisions, persisting through setbacks, and enduring fluctuations in wealth accumulation. It’s about restraint, long-term commitment, and resisting short-term temptations. High EQ also helps build networks and seize opportunities to protect wealth. Without EQ, even high earnings can be lost due to emotional breakdowns or short-sightedness.

The three are interconnected: IQ lays the foundation, FQ amplifies, and EQ protects. The more balanced they are, the more stable and abundant the wealth. If ability can’t keep up, even luck-based gains will be lost due to lack of skill!

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