Increasing wealth is about increasing money and increasing money is about seeing money differently and understanding that money is a tool for commodity and it is needed for a good life. Growing wealth is a gradual process that requires understanding the value of money and how to grow money perfectly. In growing wealth, a lot of people believe that saving is needed but the truth is, savings is not what is required to grow wealth. Savings is required to meet target not grow wealth. ![shutterstock_153944783.jpg](https://cdn.steemitimages.com/DQmb3eeESCnJwuDiAZoCdsDfiwM57PbegUVTEte7HCifgvW/shutterstock_153944783.jpg) [Source](https://www.brookings.edu/research/the-wealth-of-generations-with-special-attention-to-the-millennials/amp/) People can save up to start a business, you can save up for your retirement but you can’t save up to attain riches. I am not saying it is impossible to be a billionaire with savings, but in order to be a billionaire by saving, then you will have to be saving in millions daily, or monthly. Saving is for easy access to cash in case of business opportunities or in cases of being cashless or broke. Wealth is not only based on liquid money, and any property that depreciates in value the longer it exist as well as anything that is isn’t giving you value is not to be regarded as part of a person’s wealth. Wealth is a combination of assets minus liability. Never be scared of getting into loans and using other people’s money, provided you are using it to make more money and it is not the profit isn’t lower than the interest to be made. Never get into debt that have high interest, it is good to get into debt for businesses and investment purposes if the inflation isn’t uncontrollable. The goal of being wealthy is not to spend less, although money management is important but the goal is to earn more. To keep earning even when your expenses remain the same. If you are reducing expenses without earning more, then you are just going to remain the same. When it comes to expenses, never spend beyond your income and be sure to know what and where you need your money.