Wealth is many thing

It's location.
It's relationships
It's luck
Its hard work

Off all, the easiest is relationships I.e you marry or are born into wealth

Next? It's location

A 26 year old in America can buy a car and small house earning minimum wage with a high credit score

When he is 35, he can get married and either sell his small flat or rent it out, then buy a larger house using his small house as "equity"

He can buy a bigger car on a car note, if in an emergency or another opportunity opens, he can use his current home as cash collateral

Thus he builds buildstion-indexed wealth. As home value rises with inflation.

He can pay unexpected medical bills with his credit card. He finds a great house in Florida, buys with new loan.

When he retires at 65, he sells first home, moves to Florida.

With $500,000 no debt.

A Nigerian couple, both earning far above minimum wage, will struggle to buy a car and small house with earnings.

Their cash saving can be depleted by a medical or job-related event

When they buy a house, it's difficult to monetize that property to acquire another

So that couple are asset rich, cash poor. When they retire their own cash earnings plunge.

They find it difficult to take advantage of opportunities because they have no credit or means to raise funds from assets

Thus inflation wrecks income.

No wealth creation

The 26-year-old boy is not working harder or smarter, his location simply aids him in ways the Nigerian couple cannot relate to.

The 26-year-old can buy a compounding asset (house) earlier than the Nigeria couple and enjoys more inflation indexed growth for a longer period