We've entered the Intelligence Economy. The rules of wealth-building have fundamentally changed. While most Americans remain trapped in outdated financial paradigms, a new class of high-agency professionals is quietly leveraging the Intelligence Economy to build fortunes at unprecedented speed.
In a world obsessed with 30-year retirement plans and passive index investing, we've entered a pivotal moment where the conventional wisdom is not just outdated—it's potentially dangerous. The convergence of intelligence technologies, unprecedented interest rates, and economic uncertainty has created what I call "The Great Wealth Reset." And those who recognize it will build fortunes while others struggle to keep pace.
The wealth gap emerging in 2025 isn't simply between the rich and poor—it's between the high-agency and the low-agency. Between those who harness intelligence and those who remain dependent on outdated systems.
Consider this: The cost of intelligence is approaching zero. Information, analysis, and expertise that once required elite connections or expensive advisors is now available to anyone with the right tools. Yet most people remain chained to gatekeepers—financial advisors selling cookie-cutter plans, employers dictating their worth, institutions moving at a glacial pace.
The most revealing statistic? High-net-worth Millennials and Gen Z investors now allocate three times more of their portfolios to alternative investments than older generations. They're not playing by the old rules because they understand something fundamental: the playbook has changed.
The uncomfortable truth: the financial establishment benefits when you follow conventional wisdom. The "save and wait" approach that worked in previous decades is woefully inadequate in today's environment where:
Interest rates hover at multi-decade highs
Credit card debt has reached a record $1.17 trillion
Intelligence technology is automating jobs while creating new wealth channels
39% of Americans now have side hustles to supplement their income
These aren't just economic shifts—they're seismic changes in how wealth is built and protected. Yet most financial advisors remain stuck in outdated paradigms, offering the same generic advice to wildly different individuals.
Here's what separates today's wealth builders from the rest: execution velocity.
While most people consume endless financial content without taking action, the new financial elite focus on implementation—fast, strategic moves that compound quickly. They understand what I call the "90-Day Rule":
The financial actions you take in the next 90 days will compound more dramatically than anything you'll do in the following 9 months.
Why? Because we're in an accelerated economic environment where early adopters of intelligence-enhanced strategies, tax optimizations, and alternative asset allocation are seeing outsized returns—while creating moats that become increasingly difficult for latecomers to overcome.
This isn't hyperbole; it's mathematics. Consider how quickly intelligence technology adoption doubled in just one year, or how forward-thinking professionals are already:
Analyzing potential investments in hours instead of weeks
Restructuring debt in the high-interest environment to free up cash flow
Implementing advanced tax strategies previously only available to the ultra-wealthy
Building multiple income streams with far less effort through automation
Perhaps the most significant shift in today's wealth landscape is the rise of self-directed financial optimization.
The data is striking: 58% of wealthy Americans have already made financial adjustments due to rising rates, with younger wealthy investors being the most responsive (91%). They're not waiting for permission or guidance from traditional sources—they're taking control.
This self-reliance mindset is why we're seeing explosive growth in communities focused on implementation rather than just education. The modern wealth builder seeks structural knowledge and execution frameworks, not just theoretical concepts.
High agency is the currency of the Intelligence Economy. It means recognizing that you no longer need to entrust your financial future to people incapable of seeing or moving into the future. These anchors—whether they're outdated advisors, stagnant employers, or even friends and family with limiting mindsets—can dramatically restrict your wealth-building potential.
What once took months of research can now be accomplished in days. Strategies that required deep technical expertise are becoming accessible through purpose-built intelligence systems. This democratization of financial optimization is perhaps the most significant wealth-building opportunity of our lifetime.
The question is: Why would you continue to outsource your financial decision-making to those who benefit from your financial stagnation?
After studying hundreds of successful cases and running countless simulations, I've identified a clear pattern among those who are thriving in this new environment:
1. Rapid Assessment - They use intelligence-powered tools to quickly identify their blind spots and hidden opportunities. When it comes to finance, that includes focusing on immediate cash flow improvements and tax efficiency. And it means honing in on strengths and quickly leveling up modern tooling to support those strengths.
2. Strategic Implementation - They execute high-impact moves in concentrated sprints, with the potential to unlock $10,000-$50,000 in value within 90 days.
3. Systematic Optimization - They create feedback loops that continuously refine their wealth-building systems as economic conditions and personal circumstances evolve.
This approach represents a fundamental shift from the "set it and forget it" mentality that dominated previous decades. It's active, adaptive, and aligned with how markets and technology actually work in 2025.
So here's my challenge to you: What if you dedicated the next 90 days to implementing rather than just learning? What if you focused on execution rather than endless consumption of financial content?
The results could be transformative. I've seen professionals free up $2,000+ in monthly cash flow, entrepreneurs identify tax strategies worth tens of thousands annually, and investors gain access to alternative investments they never knew existed—all within a 90-day implementation window.
This is why we created the X1 Wealth 90-Day Execution Lab—a structured implementation system designed for today's economy. It's not just another financial course or membership. It's a step-by-step execution framework with intelligence-powered tools that help you identify and implement strategies tailored to your specific situation.
The Lab focuses on three critical areas most financial advisors overlook:
Advanced tax efficiency in today's high-rate environment
Cash flow optimization through intelligence-enhanced analysis
Wealth preservation strategies once reserved for the ultra-wealthy
Participants in the Execution Lab can expect to uncover $10,000-$50,000 in potential value within their first 90 days—not through complex schemes but through systematic implementation of proven strategies most advisors simply don't have the incentive to share.
The financial landscape is being rewritten at this very moment by intelligence technologies and macroeconomic shifts. Those who adapt quickly will thrive while others struggle to maintain their current position.
It's never been a better time in our lifetimes to position accordingly, to build wealth. But doing so requires breaking free from the people and systems incapable of seeing—much less moving into—the future.
The next 90 days are critical. What will you do with them?
We’re building x1. A community and collecting of cutting edge tools to help you multiply your potential. Exponentially. No outdated workbooks, playbooks, or regurgitation. Intelligence is going to 0. Time to harness it.
Mat Silverstein
Multiply your potential, exponentially.
