Young African man planning finances using laptop and notepad good example of free Wealth formula The ESI formula

Poverty is not just a lack of money — it’s often a result of not knowing what to do with the money you have. In a world flooded with get-rich-quick schemes and fake online success stories, it’s easy to overlook simple truths. But here’s one that has worked for generations and can still work today. I call it the Free Wealth Formula — Earn, Save, and Invest (ESI). This isn’t just a theory; it’s a practical approach that, if followed correctly, can lift you and your family out of poverty.

Let’s break it down.

E – Earn: Find Something That Brings You Money

The first step in the Free Wealth Formula is to earn. That means you must have something that generates income — a job, a business, or a skill. Without income, there’s nothing to save or invest. It doesn’t matter how small you start. What matters is that you’re not idle. Learn a skill that is in demand. You can learn how to code, design websites, market products online, or even trade forex. These skills are the gateway to income — both locally and globally.

So before anything else, ask yourself: What am I doing today that is bringing me income?

S – Save: Master the Art of Delayed Gratification

The second pillar of the Free Wealth Formula is saving. This is where most people fail. They earn and spend everything, hoping for a miracle tomorrow. But saving builds your financial buffer. It gives you options, and more importantly, it trains your mind to delay gratification. You don’t need to buy the latest phone or clothes every month. Sometimes, peace of mind is better than a flashy lifestyle.

Saving even a small portion of your earnings — 10%, 20% — consistently, can create a backup that helps you take better decisions in the future.

I – Invest: Let Your Money Start Working for You

The third and most powerful step in the Free Wealth Formula is investment. Money saved is good, but money invested is better. Let your money go to work while you sleep. You can invest in stocks, start a small online store, buy and flip digital assets, or put money into reliable crypto projects or forex trading — with knowledge, not gambling.

This is where your savings start to multiply. But only if you’re disciplined and informed.

Why the ESI Model is Neglected But Powerful

In Nigeria and many parts of the world, this formula is neglected because people are in survival mode. They earn just enough to eat, and that’s it. But the Free Wealth Formula doesn’t require millions. It requires a mindset shift. It requires discipline, consistency, and a long-term vision.

If families embraced ESI — teaching their kids not just to hustle but to save and invest — generational poverty would reduce significantly. It’s not about how much you make, but how you handle what you make.

What Makes this Free Wealth Formula Unique?

It’s simple and realistic,works whether you earn N10,000 or N1 million.It forces you to think long term, removes you from the rat race of consumption. It trains you to delay gratification and seek value.

This Free Wealth Formula ESI, is not a secret, but it’s under-applied. If everyone reading this would adopt ESI today, the next 12 months would look completely different — more savings, more investments, and more peace.

Ready to Apply this Free Wealth Formula ESI? Start Here

If you’re serious about changing your financial story, it starts with knowledge. We have premium, hands-on courses that teach you real skills you can monetize immediately. Whether you’re just starting or want to upgrade your earning potential:

  • ✅ Learn Digital Marketing
  • ✅ Master Forex Trading with risk control
  • ✅ Build income with Website Design

These are not just courses. They are the keys to your first step — to earn, then save, and finally invest. That is the Free Wealth Formula in action.

At upwardhabbits we have your best interest at heart

Don’t just read and nod in agreement — start the journey today. Whether you’re a student, employee, hustler, or entrepreneur, this Free Wealth Formula ESI applies to you. Share this with someone you care about and begin applying ESI.

Your financial freedom doesn’t start with luck — it starts with discipline, decisions, and the right formula. And now you know it.

👉Start your journey with our premium skills courses today — and live the formula that frees.

👉Also check out 54 ways to save money by America saves