How Get into the Top 1%, 5%, 10%

How to Easily and Quickly Become a Top Income Earner with Metaphysical Wealth Building

Discovering Your Real Wealth

[1]: Material Wealth

 in our pursuits for material comfort, we neglect our spiritual and emotional well-being. Who can blame for being so overly obsessed with material wealth?

In America, we are socially conditioned to equate success with driving a big car, owning a private property and vacationing overseas twice a year. Such a narrow minded definition of success results in us becoming a nation with no souls. That is not to say, material wealth is bad.

We need money to pay, among other things, grocery, mortgage installment, children education fees and utility bill. In fact, material wealth is the foundation of spiritual wealth. A person who is struggling to make ends meet will be in no mood to care about his spiritual health. A certain amount of material wealth is necessary unless you live in Mars or Venus.

The problem with material wealth lies in human nature to desire for more, better and bigger things. In our desire for more material wealth, people with not so strong moral values will trade their integrity for greater material comforts.

News of lawyers misappropriating clients’ funds and doctors prescribing drugs indiscriminately to patients are often reported in the media. These two professions are highly regarded in our society because they command a premium for their service. They are drawing a decent income and living a comfortable lifestyle. It is the human nature of greed that bring their downfall.

[2]: Spiritual Wealth

Here is where spiritual and emotional wealth comes in. Spiritual wealth is not defined in terms of dollars and cents. It has no material value. It is something that no amount of money in the world can buy. If only those people, who committed fraud or acted unethically in their business dealings, acquire sufficient spiritual wealth, they would realize that money is not everything in life. The following phrases sum it up best:

Money can buy you house but not home
Money can buy you bed but not sleep
Money can buy you medicine but not health
Money can buy you blood but not life
Money can buy you a girl but not love
Money can buy you amusements but not happiness
Money can buy you books but not wisdom
Money can buy you a clock but not more time
Money can buy you companions but not friends
Money can buy you food but not appetite
Money can buy you a ring but not a marriage

[3]: Emotional Wealth

People are emotional beings. The stock market is driven by emotions of greed and fear. The same greed emotion is driving some people to act dishonestly or commit theft.

Emotional wealth is really about acquiring positive traits associated with personal success. Positive attitude, self-discipline and wisdom are some of the emotional wealth that we should aspire to have.

It is your attitude that determines your success in both work and personal life. A cliché but it is absolutely applicable in real life. Your attitude determines your altitude.

Being self-discipline requires you to do things that are necessary, however unpleasant they may be, to accomplishing your predetermined goal. You make a plan and diligently carry out the tasks as outlined that will bring you closer to your dream. A self-discipline person has his mind set firmly on the big picture and will not give in to short term gratifications that will distract him from the path of success.

In today’s knowledge-based economy, wisdom of knowledge is crucial to our success. Knowledge is priceless. Someone can steal your wallet and other personal belongings but not your knowledge. With applied knowledge, we can achieve greater heights in both our professional and personal life.

In this special message, we should strive for a balance between the three forms of wealth: material, spiritual and emotional wealth and apply the Wealth Manifestation Principles. Life will be more balanced and fulfilled if you build wealth with these Wealth Manifestation Principles.

Why Should You Become a Top Income Earner

Between ninety to ninety-five percent of people everywhere have a scarcity mindset, because of not having an inner awareness of how to attract wealth and money. Are you among them?

Can you honestly state that your knowledge of the power of Metaphysical Wealth Building has enhanced your capability to manifest the financial comfort that you want?

There are not too many people who know of prosperity and abundance through Metaphysical Wealth Building and have what it requires to make it work. The secret of how to attract wealth and money has done a lot to expand or extend the understanding of Metaphysical Wealth Building.



America’s retirement crisis is getting worse — and many baby boomers could suffer a stark drop in living standards, reports Bloomberg.

In 2019, Boston College estimated there was a $7.1 trillion retirement-savings shortfall among American households. Then came the pandemic, the war in Ukraine and spiking inflation. A whopping $3.4 trillion was wiped from 401(k)s and IRAs in the first half of 2022 alone.

This is bad news for the big wave of boomers now approaching retirement: in 2030, Americans age 65 and over will make up 21% of the population, up from 15% in 2016.

If you are a boomer or someone considering retirement or a person needing financial wellness review this article. If you need help contact us so you do not go bust.


The Pew Research Center defines the middle class as households that earn between two-thirds and double the median U.S. household income, which was $61,372 in 2017, according to the U.S. Census Bureau.

Pew defines “middle class” as a person earning between two-thirds and twice the median American household income, which in 2019 was $68,703, according to the United States Census Bureau.

According to the U.S. Census data, the average net worth for U.S. households in 2019 (latest data available) was $299,700. The median net worth was $94,670. In other words, wealth is concentrated at the top. We all aspire to be upper middle class or rich.

Average Net Worth by Education

Education is highly correlated with net worth, as shown in the table below. Those without a high-school diploma only own about $5,090 in median net assets. A high-school diploma boosts that to $40,560. A bachelor’s degree quintuples that wealth to $196,800. An advanced degree doubles that to $408,700. The mean is given in the table below for comparison

Quintile DefinitionMedian Net Worth
Bottom 20%  Poverty Class $6,030
Next 20% Lower-Middle Class$43,760
Middle 20%Middle Class $104,700
Next 20%Upper-Middle Class$201,800
Top 20%  Wealthy$608,900

The middle class has trillions in debt In the US, the middle class is burdened with a whole lot of debt, and it’s been growing. At the end of 2021, the 50% to 90% percentile had $1.58 trillion in consumer credit debt, according to the Fed.

The American middle class is falling deeper into debt to maintain a middle-class lifestyle. Cars, college, houses and medical care have become steadily more costly, but incomes have been largely stagnant for two decades, despite a recent uptick.

According to a Brookings report, 84% of the middle class was white in 1979, while just 9% was Black and 5% percent Hispanic. The middle class has since grown more diverse as has the US population; per Brookings, it was 59% white in 2019, and 12% Black and 18% Hispanic.


Building wealth consciousness from within is about turning your attention inwards and focusing on the true source of wealth and abundance which lies in your consciousness. Most people focus all their energy and attention on outward means and conditions to try and create wealth. The great spiritual and metaphysical truth however is that external wealth is simply an out picturing of your wealth consciousness.

Your inner world always creates your outer world because wealth is not a physical concept. What you have or don’t have is not the result of what you do. It is the result of what you are. We see this all the time.

Two people with exactly the same credentials. One becomes a huge success and the other becomes a complete failure. What’s the real difference?

It’s not in what they do, who they know or some strategy or technique. It’s in their consciousness. It is the way they think, feel and act both consciously and subconsciously that sets them apart.

If you want to change the fruits, you will first have to change the roots. If you want to change the visible, you must first change the invisible.– T Harv Ecker

If your outside world and what you have is the fruits on a tree then your consciousness is the roots. It is the roots that give birth to the fruit. The fruit is merely a reflection of what goes on below the surface.

What is Metaphysical Wealth Consciousness

Human consciousness has been the subject of many philosophies and debates for centuries. What is it that makes up our consciousness or our awareness of the human experience?

Descarte famously postulated that “I think, therefore I am” – implying that it is your thoughts that make up your consciousness.

Your consciousness is more than your thoughts though. Consciousness is your awareness of your thoughts, feelings, environment and sensations (sensual perceptions).

What is wealth consciousness then?

Wealth consciousness is understanding, experience, thoughts and feelings about wealth. Wealth refers to the idea that you have more than enough – that all your needs are met abundantly and that you lack or want for nothing.

What are your thoughts and feelings about wealth then?

We all have a laundry list of thoughts and feelings about wealth. Consciously we all desire more wealth at some level. The challenge is that your wealth consciousness is not just made up of your conscious thoughts about it. The subconscious mind makes up most of your wealth consciousness.

These are the thoughts below your conscious everyday awareness. These thoughts reside in your beliefs which are habitual thoughts which leads to habitual feelings which lead to habitual behaviours.

To change your wealth consciousness you need to go beyond an intellectual understanding of wealth. It needs to permeate that surface level of understanding and penetrate the subconscious. The subconscious is that ‘supercomputer’ that takes a lot of information and computes it in a way that makes sense to you.

It is quite literally what makes up your internal ‘wiring’. It takes all the different thoughts, feelings, experiences, understandings and life events about wealth and money and brings it all together into YOUR understanding and consciousness of wealth and abundance.

Your wealth consciousness is everything you think (consciously and subconsciously) and consequently feel about the idea of having more than enough money (or every other resource).

Why You Need a Wealth Consciousness To Have a Lot of Money

The biggest mistake that most people make when they create the intention to be wealthy is that they get blinded by money. Money and wealth is not the same thing.

  • Wealth is in your consciousness.
  • Money is a reflection of that wealth consciousness.

Building wealth consciousness from within will inevitably result in having a lot of money or success or whatever you want in abundance. We see truly wealthy people lose their financial fortunes but because of their wealth consciousness they make it back very quickly.

We also see people with a poverty consciousness win lotteries and within a short period of time they lose it all simply because they did not have a consciousness that matched up with their external world. Your inner world will always be reflected in your outer world.

Your external conditions will always be a reflection of your consciousness. What shows up in your life is merely the shadow that is cast by your inner consciousness.

Our journey into consciousness of wealth begins with the realization that we have already arrived!– Michael Beckwith

Working and trying to create wealth in your life is just about the most useless thing you can do. It certainly is possible to accumulate money and stuff through hard work and effort but if that process of getting it does not change your consciousness you simply won’t get to keep it.

How To Increase Wealth Consciousness

Now that we’ve established that building wealth consciousness from within is the only way to truly get wealthy, how do you do it?

How do you increase your wealth consciousness?

In loose terms you will need to change who you are because who you are at the moment is reflected in everything you have (or don’t have) in your life. You need to change the way you think and feel about money and abundance. You need to change your beliefs, your habits and your actions. When you focus on making these changes consciously and you do it for long enough it starts to permeate into your subconscious mind. Only once these changes permeate into your subconscious mind does it change your consciousness.

7 Steps to Increase Wealth Consciousness

1. Understand The Truth About Abundance

A thorough understanding can lead to a change in consciousness. The truth about abundance is that you live in an abundant universe. There is more than enough of everything in this universe. You are an integral part of this universe and this abundance is not only your birth right but it is a natural part of life. Nature and life itself is abundant and you are part of nature and life.

There is an abundance of money or any other resource you may want. There is more than enough for everyone. The issue is never whether there is enough or not. It is only a matter of attracting and manifesting it in your own life experience.

2. Focus on Your Inner World

Most people are consumed by what they can and should do in their outer world. It ends up draining them emotionally and spiritually. This depletes their most valuable resource which is their own authentic energy. Doing more and working harder is rarely the solution but unfortunately it is the only ‘formula’ that most people know.

It is always your inner world that creates your outer world. When you turn your attention inwards you can create the external changes with more ease, less stress and greater joy.

3. Practice Love or Above

The idea of Love or Above comes from Christie Marie Sheldon’s wealth consciousness program. It is based on Dr. Richard Hawkins’ scale of human consciousness. This scale of consciousness gives numerical values (based on kinetic testing) to different emotions.

The emotion of guilt measures at 30 while the emotion of fear measures at 100. The highest emotions on the scale are love, joy, peace and enlightenment. Love measures at 500 and living at 500 or above means you tap into the highest level of human consciousness. Living at these levels means you leave behind most of these lower vibration thoughts that only drag you down.

So, what does that have to do with building wealth consciousness from within?

When you live at these highest levels of consciousness you ‘match up’ with Spirit – the true Source of everything and this allows you to effortlessly connect with abundance.

4. Focus On Giving and Value

Building wealth consciousness from within requires a completely opposite approach to the traditional ideas of creating wealth. Your focus can not be on what you get. It has to be entirely on giving.

When your focus shift on to what can you give your consciousness shifts from scarcity to abundance because abundance is an energy that is always giving.

Imagine that there is a dispenser inside you. Every time you give away one thing, two things come back so that this dispenser is constantly growing and expanding – but only when you give away what is inside it.

This is a powerful analogy for how wealth consciousness works. Shift your focus on giving of yourself.

Your talents.
Your time
Your energy
Your attention

Always look for ways to add value. How can you add value to your job, your family, your community…to yourself.

5. Create an Intention

When you create an intention to create greater wealth and abundance in your life you change the ingrained images you have in your mind. By thinking deeply on what you really want in your life – not what you think you deserve or what you think you can have. Getting clear on exactly what you want in your life and creating the intention to manifest that life shifts your consciousness.

Building wealth consciousness from within comes from shifting your internal ideas of what you want and what you think you can have and deserve.

6. Eliminate Limiting Beliefs

We all have limiting beliefs about money to some extent. These beliefs are nothing more than thoughts that you thought over and over again until it became a habitual thought. You then have life experiences that you match up against these beliefs and they become ingrained even deeper. It can even become part of your identity – that which you think you are.

If being poor or middle class becomes your identity then you have a lot of work to be done on clearing your limiting beliefs about money. Starting by identifying your limiting beliefs is the first and most important step. Awareness in and of itself can help you change – especially when you notice how silly some of these beliefs are or the fact that you simply got them from your parents.

Building wealth consciousness from within often start with being aware of your own negative thoughts and beliefs about money and wealth.

7. Rejoice in Wealth and Prosperity

People with a poverty consciousness do not like ‘the rich’. They are always critical of those who have more and they tend to be jealous of anyone who gets something they don’t have

People with a wealth consciousness rejoice in others’ wealth and success. They understand that of someone else manifest wealth it is because of their consciousness.

Stop criticizing wealthy people. Stop being envious of others’ success. Start being truly happy for anyone who has success or anyone who gets or has something you want. When you do that you say ‘yes’ to the universe and allow it to come to you. When you criticize or condemn wealth in any you close the door and do not allow it into your life.

Easily and Quickly Become a Top Income Earner with the With Metaphysical Wealth Building Principles from “The Richest Man in Babylon.”

If you are seeking a simple “Top Income Earner Plan” we recommend you consider “The Richest Man in Babylon.” It teaches us seven financial rules or cures to an empty purse. It teaches the rules to live by in order to become wealthy.

First, save at least 10% of your income. Second, don’t borrow money. Third, invest your money wisely. Fourth, never try to time the market. Fifth, diversify your investments. Sixth, stay disciplined with your spending. Seventh, have a long-term financial plan.

If you follow these seven rules, you will be on your way to financial success. This book is full of stories and analogies that make these concepts easy to understand. We highly recommend it to anyone looking to improve their financial situation or Become a Top Income Earner. We highly recommend in addition to The Richest Man in Babylon, you review George S. Clason’s books The Golden Rule of Wealth and The Road to Riches and Clason’s Complete Financial Guide

“The Richest Man in Babylon” has sold over two million copies and has been translated into over fifteen languages. The book’s protagonist, Arkad, is the richest man in Babylon (America or the World) and one of the city’s nine high counselors. Arkad’s wealth has not come easily; he began life as a poor shepherd boy and had to work hard to get where he is today.

Despite his wealth, Arkad is a humble man who is always willing to share his knowledge with others. In “The Richest Man in Babylon”, he imparts his wisdom on topics such as saving money, investing, and debt reduction. The Richest Man in Babylon is full of financial wisdom most people need. The Richest Man in Babylon Full Audiobook is a must for anyone looking to improve their financial situation or Get into the Top 1%, 5%, 10% of Income Earners.

How to Become a Million Dollar Income Earner

According to the 2022 Forbes annual wealthiest list, the number of billionaires in the world decreased by 87. And 1,000 of them are richer than they were a year ago.

They learned and apply the principles found in The Master Key System in 28 Lessons ( Complete ) The Master Key System is a personal development book by Charles F. Haanel (1866–1949). It was originally released as a 24-week correspondence course in 1912, and then published in book form in 1916. It was later expanded to 28 chapters. Each of the 28 chapters contains an introduction, an exercise, and a concludes with questions and answers.

In 1919, Napoleon Hill wrote a letter to Charles F. Haanel about the influence that The Master Key System had on him. The Master Key System in 28 Lessons, Charles Haanel In the letter Hill wrote “I believe in giving credit where it is due, therefore I believe I ought to inform you that my present success and the success which has followed my work as President of the Napoleon Hill Institute is due largely to the principles laid down in The Master-Key System.”

These people read and apply such books as Wealth By Joseph Benner (unabridged audiobook w/commentary) or The Science of Getting Rich By Wallace Wattles Unabridged with Commentary

The U.S. has more billionaires than any other country: 735. China, including Hong Kong and Macao, is close behind with 607. These people read and apply such books as Napoleon Hill’s Think & Grow Rich Condensed and Narrated by Earl Nightingale

6 Steps Formula to Convert Your Desire into the Top 1%, 5%, 10% of Income Earners or …

The six steps formula is a method of training the mind to pursue the goal of earning a specific amount of money within a deadline.

According to Hill, only if you have a burning desire for wealth, you will convince yourself that you will eventually have it.

By developing the desire for money, you will become “money conscious”, meaning you will see yourself in possession of the funds you want before actually having it. Hill also said, “Only those who become money conscious ever accumulate great riches.”

What are the six steps of Napoleon Hill’s method to Become a Million Dollar Income Earner?

1. “Fix in your mind the exact amount of money you desire. It is not sufficient merely to say ‘I want plenty of money.’ Be definite as to the amount.”

There is a psychological reason behind the idea of setting a specific goal. According to Edwin Locke’s studies, people who set precise and challenging intentions manage to succeed in their plans.

The main reason behind establishing a defined target is that you will better understand the sacrifice and challenging tasks you must make to reach it.

2. “Determine exactly what you intend to give in return for the money you desire. There is no such thing as something for nothing.”

The bigger and challenging the goal you have set is, the more you will have to work hard and sacrifice to obtain it. To focus on outstanding achievement and do more than what you usually do, you must take away time and effort from something else.

Will you dedicate to this purpose hours previously committed to fun activities? Moments with friends and family? Your savings? Nothing comes from nothing. You must redirect most, or all, of your effort into the so much desired end to transform the thought into reality.

3. “Establish a definite date when you intend to possess the money you desire.”

How long will it take you to reach the craved goal? By choosing a deadline too far away, you might feel that you have a lot of time at your disposal. You might end up procrastinating on every task. At the same time, picking a day too close to the moment of commitment might make you feel anxious and lead to early burnout.

Evaluate carefully the amount of work you must do to accomplish the predetermined purpose and choose wisely the day of your success.

4. “Create a definite plan for carrying out your desire and begin at once, whether you are ready or not, to put this plan into action.”

It’s time to take action! Yes, because it might seem simple and stupid but taking the first step is the hardest thing to do. You know how much money you want to make; you have decided by when you will have that precise amount; now it’s time to develop the plan to reach your goal.

It doesn’t have to be perfect or detailed; you can always add tasks and features while you keep going as unexpected events might happen along the path. Having an idea of what is necessary to reach your purpose will help you optimize your time and resources.

5. “Write out a clear, concise statement of the amount of money you intend to acquire, name the time limit for its acquisition, state what you intend to give in return for the money, and describe clearly the plan through which you intend to accumulate it.”

Once the plan is ready in your mind, write it down. Write the exact amount of money you want to accumulate, the deadline, and the steps you will take to achieve your financial success.

According to the article about goal-settings published on Positive Psychology, “People who write their goals are more likely to achieve their goal than those who don’t by 50%.”

Writing it down will make it sound more real, more achievable, and you will have a clear statement about what you want and how you will get it. You are now in charge of making real what’s just ink on a piece of paper.

6. “Read your written statement aloud, twice daily, once just before retiring at night, and once after arising in the morning. As you read, see and feel and believe yourself already in possession of the money.”

It might seem odd, silly, even nonsense to read aloud your statement twice a day, but there is a psychological reason for this practice too.

In fact, according to Kathryn J. Lively Ph.D. article on Psychology Today, “Affirmations are used to reprogram the subconscious mind, to encourage us to believe certain things about ourselves or about the world. They are also used to help us create the reality we want — often in terms of making (or attracting) wealth, love, beauty, and happiness.”

In other words, repeating daily your statement aloud backed up by the emotion connected to the possession of the specific amount of money has the power to increase your vibration and magnetically drawn to you, according to the law of attraction, what you deeply desire.

“It is important that you follow the instructions in these six steps, it is especially important that you observe and follow the instructions in the sixth step.” — Napoleon Hill

Will Napoleon Hill’s method to transmute desire into its financial equivalent work? We suppose we should find the answer by trying it first hand on custom goals and personalized achievement plans.

As Hill’s proved many times in his books, successful people weren’t “successful” before we knew them for the circumstances that made them so. Some of them started from nothing, working their way to the top; others had even invented something that didn’t exist before as Ford did.

All the inventors and entrepreneurs Hill interviewed over 20 years had many characteristics in common; one of those was the burning desire to succeed, to reach the goal they have set for their lives. Preparing their mindset the best way they could to achieve their defined purpose was the first step they took.

Highlighting a racial wealth gap, only eight of America’s billionaires are African American: businessmen Robert F. Smith and David Steward, Oprah Winfrey, Kanye West, Rihanna, Michael Jordan, Jay-Z, and Tyler Perry. These people read and apply such books as Dr. Joseph Murphy – Pray And Grow Rich

When you read all those stories about the 1%—or even the top 5% or 10%—it may raise the question: How much money do you need to pull in to be in one of those groups? These people get it by apply such books as “Outwitting The Devil The Secret To Freedom And Success with subtitles” or Think And Grow Rich By Napoleon Hill (Unabridged Audiobook- With Chapter By Chapter Commentary)

You should start with Napoleon Hill’s “Outwitting The Devil The Secret To Freedom And Success with subtitles” This book is written as an interview between Hill (Mr. Earthbound) and the devil (our inner dark self), wherein Hill attempts to uncover the secrets to freedom and success in everyone’s life.

Outwitting the Devil is a self-help book that describes how you can resist the Devil’s influence and find personal and financial success in life by choosing clear goals, pursuing them single-mindedly, and more.

We also recommend you review Napoleon Hill’s The Law of Success: The 15 Most Powerful Principles for Wealth, Health, and Happiness. The Law of Success in 16 Lessons by Napoleon Hill

The 13 Powerful Principles

[A]: Ask yourself if you are learning and applying the 13 steps to riches correctly: #1 Desire, #2 Faith, #3 Autosuggestion, #4 Specialized Knowledge, #5 Imagination, #6 Organized Planning, #7 Decision, #8 Persistence, #9 Power of the Master Mind, #10 The Mystery of Sex Transmutation, #11 The Subconscious Mind, #12 The Brain, #13 The Sixth Sense

[B]: Ask yourself if you have Dispelling Negative Influences:

  • The Fear of Poverty:
  • The Fear of Criticism
  • The Fear of Ill Health
  • The Fear of Loss of Love
  • The Fear of Old Age
  • The Fear of Death

Anybody can wish for riches, and most people do, but only a few know that a definite plan, plus a burning desire for wealth, are the only dependable means of accumulating wealth. – Napoleon Hill

How Much Income Puts You in the Top 1%, 5%, 10%?

Top 0.1% of Earners. $2,808,104. Top 1% of Earners. $737,697. Top 5% of Earners. $309,348. Top 10% of Earners. $158,002. Despite the lack of growth in 2018, historically the rich have become richer faster than the rest of the population. Many of these people listen to and read: You Were Born Rich Audiobook

You’ll need at least six figures to count yourself among the nation’s top earners, according to data published by the Economic Policy Institute. To earn this 6-7 figure income it is recommended you read or listen to Dr Joseph Murphy How To Make And Use A Psychic Treasure Map or Dr. L.W. De Laurence The Secret Of Abundance And The Art Of Getting Rich or Be Rich! By Robert Collier (unabridged audiobook) or The Law Of Financial Success Edward E. Beals (Unabridged Audiobook)

Annual Wages of Top Earners

The latest available data from the EPI show that in 2020 annual wages for the top 1% reached $823,763, up 7.3% compared to 2019. How much do you need to earn to be in the top 0.1%? A hefty $3,212,486, which is almost 10% more than that group earned a year before.

Wages for the bottom 90% rose at a much more modest rest of just 1.7% over the same period, with an average income of $40,085.

Historically, the rich have become richer faster than the rest of the population. EPI research has found that since 1979, the top 1% saw their wages grow by 179% and the top 0.1% by more than twice as much⁠—389%. Wages for the bottom 90% only grew 28% in the same time period.

Even as the coronavirus pandemic wiped out jobs and created hardship for many Americans, the well-off have continued to amass wealth. The richest 1% of American households added about $4.5 trillion in wealth from the end of March to the end of December 2021. 

And Federal Reserve data shows that as of 2021, the top 1% of earners now hold 27% of the nation’s wealth, a larger share than the 26.8% held by the middle 60% of U.S. households (often used to define the middle class by economists)

Income Disparity

Income disparity is the most dramatic when you look at how the distribution of wages has changed since 1979. As the EPI reports: “The bottom 90% earned 69.8% of all earnings in 1979 but only 60.2% in 2020. In contrast, the top 1% nearly doubled its share of earnings from 7.3% in 1979 to 13.8% in 2020.” The EPI also points out that the top 0.1% more than tripled their share of earnings to 5.4% in 2020 from 1.6% in 1979.1

Wages of All Earners

If you are not among the top earners and would like to see where you fit in, below are the full details from the EPI study.

Are the Rich Getting Richer?

Yes. Between 1979 and 2020, the wages of the top 1% grew by 119.2%, while the rate of growth for those in the top 0.1% was more than twice as high: 389.1%. Compare that to the 28.2% growth for those in the bottom 90% during the same period.

According to the Economic Policy Institute, “The upward distribution of wages from the bottom 90% to the top 1.0% that was evident over the period from 1979 to 2019 was especially strong in the 2020 pandemic year, yielding historically high wage levels and shares of all wages for the top 1.0% and 0.1%.”

How Much Would I Have to Make to Be in the Top 0.1%?

Your annual wage would have to be almost $3.21 million. This is an all-time high as of 2020, and 2021 looks to set another record.

How Many People Are Top Earners?

There are more than 20 million millionaires in the United States. These people have created a million dollar consciousness. They have used Norvell How to Build The Million Dollar Consciousness or applied Sleep and Grow Rich – Deep Sleep Hypnosis – Wealth and Prosperity Programming

Because many of them capture the attention of the press or become pop culture sensations, it might seem like becoming a millionaire is impossible for everyday people. The truth is that you don’t need to develop the next tech unicorn or be a celebrity to become a millionaire or to join the Ranks of the Top 1%.

In reality, most millionaires are regular people, not all of whom bring home six- and seven-figure salaries. With a bit of common sense, learning, and discipline, you, too, can become a millionaire on an average income or join the Ranks of the Top 1%.

How to Become a Top Earner with Compounding a Penney a Day

The first step to becoming a millionaire is to understand the power of mind and compound returns. They have listened to and read Millionaire Mind Intensive by T Harv Eker When you compare a modest rate of monthly savings with a $1 million goal, the challenge seems overwhelming.

But the key is to realize that the vast majority of wealth comes from compounding.

That’s when your early returns lead you to earn greater later returns. Think of it this way: If you earn 10% on $1,000, you’d have $1,100 at the end of the first year, a gain of $100. If you earned that same 10% return on your money the next year, you’d have $1,210, a gain of $110.

What’s great about compound returns is that they are investment gains you see without having to add more of your own money to your investment (though it’s important to regularly contribute more money to maximize your compounding).

Now, Let’s See How Compounding Can Help You Become a Top Earner

First, we’ll calculate a possible rate of return on our investment. Since 1926, the average annual return on a portfolio with 80% stocks and 20% bonds has been 9.4%. During this same period, inflation has averaged about 2.9%.

Based on this historical data, we will assume an inflation-adjusted annual rate of return of 6.5%. By using an after-inflation rate of return, the results of our calculations will show an amount of money in today’s dollars.

How much we need to save each month to become a millionaire depends on how long we’ll save and invest. Here it’s important to understand that the longer we have to save and grow our money, the less we have to save each month to reach our goal.

If we want to become a millionaire in 10 years, we would need to save about $6,000 per month. Obviously this is not realistic for most people. But luckily, most people aren’t trying to become millionaires in a decade.

If they’re saving for retirement, they generally have at least a couple of decades to reach millionaire status. As we extend our investing time period to reflect that, we can begin to see the value of investing early and the power of compounding.

If we save and invest for 20 years, our monthly savings amount drops to $2,075. Still unrealistic for many people, but we are moving in the right direction. Here’s how much we would need to save each month for different time periods.

Time PeriodMonthly Savings
30 years$940
40 years$465
45 years$330
50 years$235

It’s important to take a moment to note a couple of things, like the impact of time and compounding. Each decade you wait to start saving roughly doubles the amount you need to contribute to reach your goal. But by the same token, if you start early enough, you can grow your wealth to great sums with only a few hundred dollars a month.

Accounting for the Impact of Fees

The above results do not consider the impact of investment fees. If you invest on your own using low-cost index funds, the small fees charged by these types of investments won’t change the results significantly.

For investors that pay an advisor or use expensive actively managed mutual funds, however, the results can vary dramatically.

For example, let’s assume that an investor pays a financial advisor 1% per year to manage their investments. Although 1% may not seem like a lot, it has a dramatic impact on the amount of money that needs to be saved each month to reach our $1 million goal. Here’s how much it would take for them to reach $1 million accounting for that fee.

Time PeriodMonthly Savings Without FeesMonthly Savings With 1% Fee
30 years$940$1,130
40 years$465$600
45 years$330$450
50 years$235$330

If the same advisor uses expensive mutual funds charging an additional 1%, as many do, the monthly savings requirement goes even higher. Here’s how things play out as the investor tries to reach their $1 million goal.

Time PeriodMonthly Savings Without FeesMonthly Savings With 2% Fee
30 years$940$1,350
40 years$465$770
45 years$330$590
50 years$235$460

As you can see, investment fees, even ones that seem insignificant, can really add up over time.

Your Employer’s Match Can Help Make You a Top Income Earner

Keep in mind that you aren’t in this retirement savings journey alone. An employer can match an employee’s contribution to a 401(k) or other retirement account, 85% of plans do, according to Fidelity.

Many employers match $0.50 for every $1 contributed by an employee, up to 6% of the employee’s salary. Some offer a $1 matching contribution for every $1 contributed by an employee. A benefit like this can easily add $100 to $200 a month to your total savings, which reduces the amount you need to save on your own to become a millionaire.

For example, let’s assume an individual making $50,000 a year is saving $450 a month to become a millionaire in approximately 40 years. If an employer matches dollar-for-dollar up to 6% of the employee’s salary, this benefit would add $3,000 a year (or $250 a month) to the employee’s retirement account.

If this employee continued to save $450 a month, the extra $250 a month employer match would enable the employee to become a millionaire in about 34 years rather than 40 years. And if they decided to continue working and contributing for 40 years, the employer match would grow their wealth to nearly $1.6 million.

Don’t Let Lifestyle Debt Prevent You from Becoming a Top Income Earner

If there’s one roadblock on your way to becoming a millionaire, it’s lifestyle debt. This is debt, often charged to a credit card, to purchase everything from vacations to a night out on the town.

A reasonable amount of debt that helps us buy something of lasting value, such as an education or a home, can be a smart choice. Going into high interest debt to buy things with no lasting value works against the goal of becoming a millionaire. Secrets of the Millionaire Mind by T. Harv Eker.

Historical Returns Are Not a Promise of Future Success

Our analysis makes a number of key assumptions about the variables that determine how and when you could become a millionaire. These variables will fluctuate over the decades, and some could prevent you from achieving this goal in the time you’ve allotted.

Perhaps the biggest assumption is the after-inflation average rate of return. Over the next several decades, the average rate of return may very well fall short of the benchmark we’ve chosen in this analysis. In addition, how much you can save each month will likely vary over time. And inflation may prove to be more of a headwind than expected.

Financial setbacks are inevitable. The best plans often fall short. While financial planning is important, as Mike Tyson says, everybody’s got a plan until they get punched in the mouth. Dr Joseph Murphy How To Use Mind Magic To Make Riches Flow Sometimes the markets, inflation or personal circumstances punch us in the mouth.

The good news is that even if you fall short of the goal of becoming a millionaire, you can still use the tools and variables we’ve deployed here to meet your other financial goals. If your portfolio grows to “only” $750,000 at retirement, you’d still be far better off than if you had never saved and invested in the first place.

Become a Top Earner in Business Using Metaphysical Wealth Building Techniques

Time for a reality check! Your Infinite Power to Be Rich (FULL Audiobook by Joseph Murphy)

There are limiting beliefs crippling the spirits of struggling entrepreneurs everywhere. So to help you break free from the confines of a life of mediocrity, we’re going to show you can successfully stay the course and earn a spot among the top earners and producers in the industry. Dr. Joseph Murphy Riches Are Your Right (Unabridged Audiobook)

This might sound a little weird, but if you act on what we’re going to share with you today, you will see some very drastic and positive changes in your business (and bank account), almost immediately!

Here’s the reality—the truth—based on our experience, okay?

There’s something we learned quickly when we started building our business online, and that’s how this business needed to become a lifelong journey for me.

Let me explain…


If you are here for the long haul, you need to treat your business like a profession (and not just a hobby). Now, we want you to be really honest with yourself, and really own up to it, if you have been “infected by the virus”…

You have to be willing to do a self-assessment and see if you’re ready to build a business. Can you do that? Ready?

Review: Dr Joseph Murphy – You Are The Master Of Your Destiny

The expectation is generally…

  • When you start or join a company…
  • When you start marketing a specific way…
  • When you start executing on something that was recommended to you by your mentor or by a coach…success should just happen. In other words, that’s an “employee mindset” of…“Just tell me what I need to do!

And then, I should automatically make money, without having to learn any special skills, right?”

Well, that is not the case at all! You need to manage your expectations. Otherwise, just like the flu or a cold; the symptoms will continue to get worse and worse. You might start saying: “Well, I expect that I should be here, and I’m not, yet so this isn’t working.”


“They told me to do this, and it’s not working the way I expect it to, so it doesn’t work, or it works for other people, but it doesn’t work for me.”

Can you relate? Have you said any of those things before? Perhaps you can relate to this instead: So, there’s the expectation that 30 days into doing marketing or prospecting, that you should be getting the results like someone who has honed in their craft for years of tireless, sleepless nights.

Have you thought that way?

Or even having the expectation that you should have lots of success after even a few months of implementing a particular strategy. But in reality, that’s not necessarily the case.

We all pay a different price. You can’t expect to get the same results as someone that has prioritized their business for the past year, sometimes even before family, or vacations, buying new furniture, or whatever it is, right?

Let me give you an example.

Think of a neurosurgeon and the amount of years, study, and skills that took them to hone in their craft, that is at least 15 years of money, hard work, and sacrifice!
If you think about it, wouldn’t you truly respect them and trust in their skill sets?
Of course you would!

By the same token…

You should respect the people that have come before you and have taken the time to actually learn the skills of our profession. The reason we say it’s an elite few who earn their place at the top is because they have a way of not paying attention to those negative thoughts that are going through their mind. As a matter of fact, they get on with learning and implementing the skills they need to become successful, in spite of those thoughts or feelings.

So, what is one way you could start doing that? Well, having a robust and positive mindset is a very powerful skill in and of itself to master. Review: How To Attract Money By Dr. Joseph Murphy (Unabridged Audiobook)


“Overnight success” is a very interesting phrase to us, because overnight success meant (for us) working 8-10 hours a day for 12 to 18 months. For us, it also meant hours of studying, implementing, executing and trusting in what we were learning from our mentors. Not to mention, the years before we started seeing some success, before Network 21. Review Dr Joseph Murphy Activating The Psychic Money Machine (with extra affirmations and meditation)

So, you probably know by now…“Overnight” success is never truly overnight!
So how did we become successful? Like one of our mentors, Clarke Broome said:
“Don’t put an expiration date on your success!”

If someone were to ask us, how long do you expect that this is going to take?
We would have said… “We don’t care.” As a matter of fact, we would have said:

“Whatever it takes in order for us to achieve what we want to achieve in this profession, and be and grow into who we know we can be inside of this profession.”

Moreover, another thing you need to do to become successful, and we challenge you to do, is change your words. If you are using words right now like: “I’m overwhelmed!” Or… “I’m generating prospects, but I’m not making sales or recruiting anyone and I’m frustrated”

You need to stop yourself, and change your thinking. To succeed and earn your space at the top, you have to change the way you’re speaking and change the way that you’re viewing your business.

When you are just starting out, you’re wise to remember there’s always a learning curve, and that other people have come before you, who have more knowledge and have mastered their craft.

There are always other successful people you can learn from. Review The Power Of Your Subconscious Mind By Dr Joseph Murphy (Unabridged Audiobook)


You need to become an apprentice, in order to acquire the knowledge, and skills that are necessary to hone in your craft. As well as, continue to reinvest in yourself, because there’s always a new level that you can excel and surpass every single year. Review Dr. Joseph Murphy – Make Your Dreams Come True

Remember… There is always room for growth! In order to get were the “tippity-top” is, and earn your spot with the elite in your business and become ultra successful, you need to make some sacrifices.

And those sacrifices, such as working for no pay (or even you paying to work) in order for you to learn a particular skill, may seem like a setback or like they’re slowing you down. But, they are necessary for you to become a master in your craft.

The skillsets you are learning and your mentors are teaching you, are worth the sacrifices you are making. They will pay in the long run, even if it doesn’t seem like it is the most direct route for you to take.

Therefore, it is important to come from the mindset that you’re going to do whatever is possible to soak up the wisdom of others that have taken the time to hone in their craft. In order to build a lifetime’s worth of knowledge, which you can pass down to others.

You have two paths to choose between right now…

1. The path of acquiring the virus of setting expectations that, frankly, are not realistic and not respecting what it took for other people before you to acquire the knowledge to be as successful, or…

2. Making the choice to be an apprentice to master a craft and learn from the best, as well as, understanding that if you master that craft and make the choice to study under the top, it will pay long-term.

Additionally, it will also create impact long-term, and this is what’s necessary in order to be truly called a professional in this space and earn your spot at the top.

Notice…I didn’t say “get” your spot. You have to EARN your seat at the top earner table. Earn your way to the top by being someone who has truly created an impact in this industry.

How could you start earning that spot at the top?

First, you need to be aware that it will take time, and set realistic expectations.
Second, you need to respect the fact that others have taken a long time and sacrifice to hone the skills you want to master.

One of the main things that we can tell you that changed every thing for us was getting mentorship. A sign that someone is on their way to earning their space in the elite few, is what our mentor Clarke Broome told us, and what he’s told everyone else that’s at that level where they’re rising up is: “If you only do what I tell you do, you will not be successful.”

Write it down, put it on a post it on your wall and like tattoo it on your body! Just kidding, but do write it down! Listen, the ones who earn their space in the top, they earn their space because first they do what is recommended, they trust their mentors… And instead of only doing what they are told, they accelerate past it.

How? Well, by testing and trying out other things in order to enhance the recommendations and then going back looking for feedback.

Most people “fall” into business through friends or family who recommend a product or service to them. They use a product, like it and sign up to become a distributor because they get the products at a reduced rate and think they may be able to get some of their friends and family as customers.

At this stage, the majority of people aren’t seeing a serious business opportunity, they just like the perks that come with it. But be it through necessity or an increased desire not to rely on traditional forms of employment, here are a few ideas on how to take your business to the next level.

4. How You Could Start Earning that Spot at the Top in Network Marketing


Jim and Nancy Dornan joined Amway in 1971. Although they got off to a slow start, they currently have one of the largest teams in the entire company. They are the founders of Network Twentyone, which provides business support materials and training to their team members. Their team operates in more than 40 different countries.

As Purdue graduates Jim and Nancy moved from their native Indiana to California to launch his career as an aerospace engineer. Anxious to supplement their beginning incomes they launched their own business and did well. However, when their second child was born with disabilities that requires enormous costs, they built their organization with a dedication that took them to the top with an international business that generated a seven-figure income.

The training corporation they developed to educate their associates, Network 21, is now one of the largest of its kind in the world with offices in 36 countries and materials in 23 languages. It Works! The Famous Little Red Book that Makes your Dream Come True. by RH Jarrett ()

Jim Dornan (1946-2013), and Nancy Dornan founded Network of Caring to connect those who want to help with those who need help. As close friends and mentors they assist our team in “doing life,” and in “giving back.” The Network 21 team has donated millions to sponsor orphans around the world and to assist the handicapped. Check out his blog at

Network 21
Network 21 | University of Success
What is Network TwentyOne?
4 Pillars – N21 Education System
Jim & Nancy Dornan 50 FAA Points Recognition


Richard has been a full-time Network Marketing sales leader, coach and company owner since 1977. He built his own team of 30,000 people by the time he was 28 years old and then went on to own his own company for 30 years. In 1992, Success Magazine did a cover story on his company and their success.

He is the author of Mach 2 with Your Hair On Fire: How To Master Self-Motivation & Stay On Fire For Life, The Art of Personal Vision and Self Motivation as well as The Four Year Career®.

He has served on the Direct Selling Association Board of Directors and its Ethics committee for many years.

Richard speaks all over the world on the subjects of Transformational Development, Ethical Network Marketing, and Listening and Self Motivation. He has shared the stage with Tony Robbins, Les Brown, Bob Proctor, and many others.

The Four Year Career by Richard Bliss Brooke

Richard Bliss Brooke

Network Marketing with Richard Bliss Brooke

Richard Bliss Brooke Discusses His Story of Success

Richard Bliss Brooke & Mark Januszewski – Historic Interview 2017

Why Network Marketing and Why You

MLM Superman Richard Bliss Brooke in Super MLM Man Episode #1

MLM Superman RIchard Brooke in Super MLM Man Episode 2 – Waikiki, Hawaii

What Does it Mean to be an “Authentic” Network Marketer?

The Secret Formula For Network Marketing Success – Richard Bliss Brooke

3 Simple Steps to Increase Your Sales and Enrollments

Curiosity Based Prospecting

Richard Brooke Recruiting

Be The Most Potent Trainer On Your Team

11:26 Network Marketing Training: The Ten Day Burst Richard Bliss Brooke

19:25 Network Training: Walmart or Asset income -Richard Bliss Brooke 2

26:18 Network Marketing Training: Full Time vs Part Time- Richard Bliss Brooke 3

1:02:20 Master Self-Motivation – Mach II (In An Hour) -Richard Bliss Brooke 4

35:33 Turning Your Cold Market into Your Warm Market-Richard Bliss Brooke 5

12:53 Network Marketing Why Now- Richard Bliss Brooke 6

18:12 3 Tips to Change Your Trajectory -Richard Bliss Brooke-11

43:46 12 Things That Make MLM Extraordinary-Richard Bliss Brooke-12

21:56 Let’s Talk Customers-Richard Bliss Brooke …13

The Secret Formula For Success

10 Reasons Why Not Network Marketing Richard Bliss Brooke


The biggest change will need to be your mindset and the way you approach the opportunity – it is no longer a hobby, but a business to provide an income for you and your family. Review Dr Joseph Murphy – Learn To Let Go In Life

With that realization come responsibilities that business owners have. Read up on what your tax and bookkeeping responsibilities are (you can find lots of information on our blogs), what business structure is most suitable for you and some basic business skills. Be under no illusion that having your own business requires a lot of hard work, resilience and dedication.


You may have never run a business before and may feel nervous about what it involves. Your first port of call should be your business coach or mentor. They should be able to share their experience and best industry practice and put you in touch with others who have gone through a similar journey. We recommend you review:





This is the fun bit: create a name for your business, a basic website and your social media profiles. You might want to get some business cards and/or flyers printed to give to people when you meet them.

There are two ways make money, so you’ll need to work out a plan on how to achieve success. Where and how are you going to try and attract new customers? Once you’ve got a larger, satisfied client base, you can look at ways to build your team.


Ignore the negative press about the industry and focus on those who have turned their venture into a successful business. Try and follow their story and learn from what has and hasn’t worked. Ask questions and always continue to learn. Review Dr. Joseph Murphy The Mighty Law Of Courage


The bigger your business, the more money you are going to make. However, effectively managing and leading a team are skills that not everyone has and that may need to be learned and developed over time. Review Dr. Joseph Murphy – The Wonders Of A Disciplined Imagination

It’s no longer just about you but with a growing team comes a shift from selling the product or service to customers, to mentoring and developing your team and business.

A career in your business is multi-faceted and relies on the same skills and attributes that would be needed to run a successful business in any other industry. Good luck!

Don’t put an expiration date on your success!

Okay? We know you’ve got it. We know you’ve got what it takes because you’re read this post and nothing would make us more happy than to see all of you rise up. As well as to see us rise up together as a community and really truly help all of us become successful, because there is more than enough wealth for everyone.

There’s more than enough people out there that we need to help and need to impact. With that being said, we love you and we hope will see you soon!

9. Final Thoughts on How to Become a Top Earner

While the status of millionaire or “Top Income Earner” is alluring, aim to achieve financial freedom rather than arbitrarily aiming to reach the two comma club.

Financial freedom may require more or less than $1 million, depending on your unique circumstances. Use our coaching and guides to figure out how much you may need to save for retirement.

Regardless of the specific financial goals you decide on, your focus should be to save and invest early and consistently while keeping an eye on fees. If you can avoid lifestyle debt at the same time, compound returns will take care of the rest.

The Bottom Line

To be a top earner in the U.S., you’ll need to make at least six figures. The wealthiest have grown richer much faster than the rest of the population since 1979. Income disparity stands out in particular among the highest and lowest earners in regards to how the distribution of wages has changed since then. 


Finally, Contact Us to Claim Your Free Internet Business Bootcamp...Create the new reality of your life now!

We recommend you listen to this: At Your Command – How to command and get anything – by Neville Goddard (FULL Audiobook) Michael Kissinger and The Reitenbach-Kissinger Success Institute will help you find the answer. 

In the MKS Master Key Coaching System Program Michael introduces you to the techniques that have helped thousands of people around the world to find lasting health, love, create wealth, create new careers or businesses, or revitalize health and wellness.

With these programs, you will learn how to unlock the power of your mind through a mix of universal laws, researched and science-backed proven techniques. If you are ready to create an incredible reality for yourself and others in life, career, business or finances. Contact us.

Does Metaphysical Wealth Building Spark an Interest?

  • What if you had an opportunity that could change the course of your entire life?
  • What if it were presented right in front of you?

Well you know something, that is what this is all about.

When I first met my mentor, I was told that if I followed exactly what he asked me to do, that I could have anything I want…and know something? I had zero belief in myself, but I believed that he believed in me.

You see, the very same opportunity presents itself to you right in this moment… We will show you step-by-step on how to build a business teaching others this material; and making a dramatic increase in your income doing so. We’ve done it, and we want to teach you to do the same thing right now. Will you take the opportunity in front of you? Contact us.

If so, our recommendation is that you request a FREE Discovery Session where you will find more detailed information and be able to decide if it might be for you.

Interested contact us now.

Sydney Reitenbach or Michael Kissinger

Reitenbach-Kissinger Success Institute

Phone: 650-515-7545



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