Most people talk about making money. Almost nobody talks about keeping it, growing it, and making it bulletproof. Those are three different problems. Treating them as one is why people end up rich on paper and broke in reality.

There's a framework for this. Three phases. In order.

1. Accumulate.

This is where most people live their whole careers. Products. Services. Companies. Real estate. You're trading time, skill, and energy for cash flow and assets. Accumulation is the foundation. Without it, nothing else matters.

But accumulation alone is not wealth. It's a starting point.

2. Multiply.

This is where the shift happens. You stop trading time for money and you start making money trade for more money. You take the profit from accumulation, and you put it in a position of strength. The capital itself goes to work.

Multiplication is not passive income as a slogan. It's a deliberate positioning decision. You decide where to deploy capital so it compounds, grows, and generates independent of your direct involvement. That's the second layer.

Most people never get here. They keep accumulating without ever crossing over.

3. Protect.

This is the one people skip entirely. And it's the most important.

Protection is not just about protecting what you have. It's about protecting your ability to continue accumulating and multiplying. The platform, not just the result.

There are two modes of protection: offensive and defensive. You need both. Offensive protection means structuring your assets, your entities, your jurisdictions, and your contracts before the attack comes. Defensive protection is your response capability when it does.

One ounce of prevention is worth a pound of cure. Every time.

BRAVE: Know What You're Up Against.

As you grow, you become a larger target. That's not paranoia. That's physics. Wealth attracts attention. Some of it is good. Some of it will try to take everything you've built.

You have to look at five things:

B — Barriers. What stops threats from reaching you structurally?

R — Risks. What's your actual exposure right now?

AV — Attack Vectors. How would someone come after you?

E — Enemies. Who, realistically, would benefit from your failure?

Most founders never do this audit. They assume success is protection. It isn't. Success is a magnet.

The people who build generational wealth are not just good at making money. They are ruthlessly good at protecting the machine that makes it. They don't wait for the problem. They architect around it.

Two types of successful people exist: those who built something and lost it, and those who built something and kept it. The difference is almost never talent. It's whether they took protection seriously before they needed to.

Build. Multiply. Armor up.