What the average Nigerian neglects that makes the Wealthy

Nigeria being the giants of Africa, records a high number of hardworking men and women with a lot of dedication and zeal to there day to day activities with no money to show for their hard work at retirement years. The wealthy man continues to grow in wealth and the poor + hardworking continues to suffer in abject poverty due to the lack of knowledge required to amass great wealth.
The wealthy understands the power of money so they turn their earned income into a passive income and portfolio income while the poor is particularly ignorant and turns earned income to trash of no value.  Earned income are funds earned from a day to day jobs in form of a salary while portfolio income is earned from paper assets such as stock, mutual funds, bonds etc. and passive income form real estate.
The wealthy Nigerian is not interested in pricing but value accumulated overtime from a security in which he/she as invested money. The current Nigerian recession is a big blow to all due to the great effect of bad currency replacing the good currency(inflation). The Wealthy are faced with decisions to make more investments for a better economy, the poor are incapable of turning cash into things of no value so enough money can go round. It really is a tough time.