Wealth, security and freedom come from what you own,never by a paycheck or what you owe.
In my own view,wealth is not money rather money is just an instrument to measure and keep it going.
Wealth is simply the value that we create by production process.
Wealth creation is far more than only having money, wealth comes in the form of riches, health and properties. To have wealth you have to be more than just a salary earner. You can be a high salary earner but to create wealth, you'll need to put those high salaries that you're receiving into good use. Only few people are fortunate to be salary earners and still have wealth that they can pass on from the current generation unto the next.
The rest has to be entrepreneur and business owners that have worked their ass off to bring new innovation that's transforming the sector that they're a part of. Wealth creation needs you to be above the average individual because average can't create wealth. For the average individual that develop interest in wealth creation, they'll first need to upgrade their way of reasoning.