The three pillars of wealth-building

Think of wealth as a building with three pillars.

The three pillars of wealth: real property assets, investments, and entrepreneurship

Three pillars

Real property assets

The first pillar of wealth building is “Real Property Assets” (your personal residence and investment real estate) because in general, real estate has the potential to appreciate in value. You can also gain financial flexibility if you’re able to borrow money using your home as security. For more about real property assets, see the topic Buying a Home.


The second pillar is investments — for example, a retirement account where you have stocks and bonds. For more about investing, see Investing basics and Get started with investing in this topic.


And the third pillar, for many people, is entrepreneurship — owning a business of your own.

Patriot Express loans are available to help military servicemembers to start a business. These loans are offered through the Small Business Administration especially for military service members. Talk to the small business lending department of your current bank for more information.

For more about starting, managing, and growing your own business, see the Hands on Banking Entrepreneurship course.

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