A financial philosophy column drawing on "The Psychology of Money" to distinguish between wealth-building and wealth-preservation skills. The article uses Warren Buffett's story to illustrate how earning returns differs fundamentally from surviving market downturns—success requires humility, risk management, and long-term resilience. For SMEs, the key lesson is that survival through volatility matters more than peak performance, and contingency planning for failure is as critical as optimistic planning for growth.