Being rich is about income. Being wealthy is about net worth and sustainability. A person can earn $300,000 a year and be rich on paper while carrying enormous debt, no savings, and zero financial security. A person can earn $70,000 a year and be building genuine wealth through consistent savings, zero debt, and a written plan.

Wealth is built through behavior, not income level. Financial coaching is about building the behaviors that make wealth possible regardless of where income stands today.