Non-systemic factors that cause financial leakages and compromise sustainable generational wealth...

Examine and resolve your unique situation holistically and rely on verified data vs. snapshot experiences of others.

Expand financial literacy.  Ask critical questions. Seek advocates who can guide on what to do and how to get results.

Avoid unsuitable risks. Do not confuse income as wealth or diminish wealth to income and miss viable opportunities.

Adhere to a sensible cash flow (budget) plan; and preserve a saving culture.

Instead, invest in holistic and consistent tax planning, guided by trusted experts.

Don't wait to engage with expert(s) if you are in financial crisis or need guidance.

Don't acquire debt you can't pay on time. Use debt pragmatically. Consider barter.

Negotiate and structure new hire (and promotion) total compensation well!

Avoid "get rich quick" schemes. Perform due diligence. Verify expert's credentials. 

Don't Panic! Investing is risky. Keep big picture in mind. Seek trusted expert(s) guidance to set clear investment goals. 

Stop Procrastinating! Protect your assets and loved ones from financial impacts of basic human risks - disability, death, etc.

Preserve good estate records and legally binding directives, to reduce setbacks in critical care access and wealth transfer.