The Rule of Silent Money: How Wealth Grows When No One Is Watching in 2025

I have seen with time and with much experience that many people who are actually wealthy do not show themselves or rather do not show their wealth to the public. Indeed it’s silent money.

Not being mindful of this fact has cost me a lot and I’m not where I’m supposed or dreamed to be because I was just ignorant of this fact.

Note: Before we continue, please note that all I’m that I have written in this article is just for educational purposes and not financial advise, to not consider my writing to be investment guarantees. Also, the people I’ll be mentioning their names in the article are not profiled for anything, it’s just to illustrate modest spending.

Each time I have money, I felt like more of it was on it’s way coming and the one I have in my hand isn’t going to finish.

All the investment I deas I conceived, when I had nothing would suddenly vanish from my head.

I have read books about financial discipline but each time the money comes it comes with the urge to spend it extravagantly.

If you have had a similar experience about this financial habits then meditate deeply about how to tackle it, because it may potentially affect your financial life.

Note: This is not to suggest that I’m guaranteeing you wealth stability and to become rich but just to educate you about what I felt was necessary for us to learn.

Introduction

What do you think is likely to happen to someone who is rich but spends his money on luxury? Or pursuing fashion? He is likely to attract more competitors because even when he makes an investment he makes it known to the public that he has a particular line of business.

Those who are very rich but want to also remain low-key do not have many competitors and are enjoying more peace of mind.

In this article you are going to learn how to be quiet and not let everyone know about your wealth and worth.

What is silent money?

We may look at silent money as the type of money that one has and does not announce himself to the public.

Recently I was watching an English Premier League match between Nottingham Forest vs Leicester City in which it ended (2:2) draw, the owner of the club (Nottingham Forest) Evangelos Marinakis came out to the pitch at the end of the match and was talking with the head coach Nuno Espírito Santo who was coach at that time and what caught my attention was fact that camera captured his phone and guess what, it was an iPhone 7.

It was very surprising to see a multimillionaire using such a lower version of the iPhone when the iPhone 16 pro max was reigning.

Why silent money matters in Nigeria today

With the growing rate of insecurity and competition in the business sphere, it is very important to have money but remain unnoticed for the fear of being rubbed or targeted.

Silent money will help it’s owner avoid unnecessary competition and lending to those who may not payback.

The psychology of modest earners who grow rich

When a person has financial discipline, even if he or she is not earning much their savings keeps increasing until they achieve what they set their mind to do. Modest earners who grow rich over time have a psychology that money can only be worked for and that it cannot come by luck. Having this in mind, they plan both their short term goals and long term goals within their means.

They tend to focus mainly on long term goals because their modest earnings may not be enough to achieve their ultimate goal within a short term.

What distinguishes modest earners who have made wealth with the poor is that, they may take risks during investments and do not spend from their business income which can be translated as paying themselves then they spend the remainder.

But the case is completely different and opposite with poor people because they spend first before thinking of saving the remainder.

These kinds of people also believe that failure in investment is also part of the process and so they treat it as such.

When they fail instead of avoiding what they failed in, they evaluate the entire process to pick out what actually led to the failure then they make significant adjustments and give it a trial again.

Another thing that is very unique with modest earners who became rich is that they are not tired of learning. They constantly try to harness every new innovation to maximize their income. They learn any new skill that will preserve their value.

We may summarize that wealthy people may still be saving and also investing consistently without ever assuming he has enough investments already. He diversifies his investment to make sure he secured his capital which is primarily his aim for the diversification.

Hidden advantages of financial privacy

There are a lot of benefits that accompany financial privacy. Let me give you an example quickly, if someone has as huge as one Billion Naira (N1,000,000,000.00) in his account and doesn’t make other people know he has such money.

Will other people feel challenged by his wealth? all of these won’t happen because he has kept his financial records secret. So therefore the advantages of financial privacy are;

1. Ensures Personal and family safety: just like the picture I tried to create through the example I gave earlier, keeping your financial information away from the public actually helps to prevent criminal attacks.

2. Reduces vulnerability of asset seizures: wealthy people who are also involved in politics for instance, financial privacy help in preventing retaliations.

3. Maintain a competitive advantage: this is very clear, if you disclose secrets about your business to the public, you may attract a lot of competition from other investors who already know your worth would compete with you strategically.

The dangers of financial display in social media culture

Social Media has become a source of information, medium of entertainment and communication in the 21st century. People often visit platforms like X (formerly Twitter) or Facebook to either check for global or local trends or sometimes to communicate with friends and oftentimes to watch reels and entertaining videos.

Displaying your financial records on social media may not only target your source but may also report you to appropriate authorities.

It may also give your potential competitors access to your financial records and would be able to save soft copies of such records for future reference.

This act may also encourage reckless financial decisions capable of ruining your financial status.

For example, when you post or flaunt your wealth on social media friends and families start calling you to borrow money or seek financial assistance and so on.

Conclusion

Always try to keep your wealth from those who may compete with you in business. Always prioritize saving and any opportunity that presents itself based on your interest, grab it.

Be prudent with whatever you have, do not be extravagant, because it may potentially affect your entire business career.

Disclaimer: This article is for informational purposes only and does not constitute financial or investment advice. WatchNigeria is not responsible for any losses arising from reliance on the information provided. Always conduct your own research or consult a qualified professional.