This article is part of the series 30 Days to Change Your Financial Destiny — A Structural Wealth Series . Recommended context: Designing Income That Survives Your Absence · Why Most Side Hustles Fail After 12 Months · The Hidden Tax of Time-Based Income · Why Effort Alone Caps Your Financial Ceiling Two people can work equally hard for twenty years. One builds wealth. The other builds someone else’s. The difference is rarely intelligence. It’s ownership. In modern capitalism, effort pays bills. Ownership captures upside. The Shift Most People Never Make Most people are trained to think like participants: show up, perform, negotiate, climb. That strategy can raise income. It can improve lifesty...