“The Secret Formula of the Wealthy: New Assets, Old Habits” By John Lepore, CPA

Imagine owning a fraction of a skyscraper, U.S. Treasury bond, or fine art — all tradable 24/7 on a blockchain.

That’s the power of Real World Asset (RWA) tokenization, one of the fastest-growing frontiers in crypto and traditional finance.

What It Means

Tokenization is the process of converting a real asset — like real estate, bonds, or commodities — into digital tokens on a blockchain.
Each token represents ownership in that real asset, allowing instant settlement, global access, and fractional ownership.

Who’s Already Doing It

This isn’t a concept for the future — it’s happening now:

• BlackRock has launched tokenized Treasury funds on public blockchains.

• Franklin Templeton and WisdomTree are offering on-chain money market funds.

• Governments and major banks are testing blockchain-based bond issuance.

• Private firms are tokenizing real estate, invoices, private credit, and even carbon credits.

Why It Matters

RWA tokenization bridges trillions in traditional assets into the digital world — combining yield, liquidity, and transparency.
It’s where crypto meets Wall Street.

Top 5 RWA-Focused Crypto Projects (by Market Cap)

1. Chainlink (LINK) – Blockchain oracle network powering data connections between traditional finance (like SWIFT) and blockchain ecosystems.

2. Ondo Finance (ONDO) – Tokenized Treasuries and bonds offering real-world yield.

3. MakerDAO (MKR) – Pioneer in collateralizing stablecoins with tokenized Treasuries.

4. Centrifuge (CFG) – Tokenizes invoices, real estate, and private credit.

5. Realio Network (RIO) – Infrastructure for compliant RWA tokenization across real estate and private equity.

My Take

I believe Chainlink is one of the strongest long-term plays in the RWA ecosystem. Its technology powers the data bridges and cross-chain infrastructure that make tokenization possible.

👉 Learn more about Chainlink’s partnership with SWIFT here.

📈 The Power of Consistency: Never Interrupt Compounding

If there’s one rule every investor should live by, it’s this:

💬 “Never interrupt the power of compounding.”

Compounding is how ordinary investors quietly build extraordinary wealth — not through luck or timing, but time and consistency.

Why Consistency Wins

Most people overthink when to invest. The truth? Consistency beats timing — every time.
By investing regularly — month after month, year after year — you let compounding do the heavy lifting.

Simple Example

• Invest $1,000/month for 30 years

• Earn the S&P 500’s historical average return of ~10% annually

Your total contributions = $360,000
Your ending value = ≈ $2.26 million

That’s the magic of compounding. Your money makes money — and then that money makes more money.

What Breaks the Chain

Pausing investments, timing the market, or withdrawing during downturns can cost you hundreds of thousands in lost growth. Every missed month delays your curve.

Trust the Process

Even small, consistent amounts add up. Stay invested, stay disciplined, and most importantly — never interrupt the power of compounding.

💬 Lessons from the Wealthy: What High-Net-Worth Investors Are Doing

I recently attended two powerful investing seminars and had behind-the-scenes access to several high-net-worth investors.
These are people managing serious wealth — and what struck me most wasn’t complexity, but discipline.

1️⃣ Simplicity Wins — 70% ETFs

Nearly every investor I met had about 70% of their portfolio in low-cost, diversified ETFs.
They weren’t chasing hype — they were building wealth quietly and consistently.

Top mentions:

• VOO – Vanguard S&P 500 ETF

• SCHD – Schwab U.S. Dividend Equity ETF

• VTI – Vanguard Total U.S. Stock Market ETF

• QQQ – Nasdaq 100 ETF (Tech exposure)

• XLK – Technology Select Sector ETF

ETFs gave them instant diversification, low fees, and less stress.

2️⃣ Crypto Exposure — But Only the Best

Every single one of them held some exposure to crypto, typically 3%–10%, focused on blue-chip projects:
Bitcoin, Ethereum, XRP, Chainlink, and Solana.
They viewed crypto as a long-term technology bet, not a short-term gamble.

3️⃣ Different Paths — Same Principles

Their backgrounds varied:
🏠 Real Estate Investors
🏢 Business Builders
💼 W-2 Employees with Startups
💰 Strong Wage Earners

But their habits were identical — focus, discipline, and consistency.
They avoided lifestyle creep, lived below their means, and stayed invested.

4️⃣ The #1 Takeaway: They Take Action

The difference-maker wasn’t intelligence — it was action.
Most people read, plan, and delay. These investors execute.

They don’t just get inspired — they move immediately.
They open accounts. They invest. They follow through.

5️⃣ Failure Isn’t Final — It’s Feedback

Every one of them failed at some point.
But they didn’t view it as failure — just feedback.
They learn, pivot, and grow stronger.

🧭 Final Thought

There’s no single “right path” to wealth.
But every successful investor I met shared this formula:

Focus + Consistency + Action = Results. + Always keep learning

Don’t just get motivated — get moving.

Enjoyed this issue?

If you found this valuable, forward it to a friend who’s building wealth or growing their financial mind. It might just spark someone else’s journey.

Thanks for reading this edition of Networth Habits.
Your next best financial habit starts now

John Lepore, CPA