- The growth of the **gig economy**, where people work as independent contractors or freelancers rather than as employees. The gig economy offers new opportunities for wealth creation and accumulation by allowing flexibility,autonomy,diversity,choice,etc.

However,it also poses new challenges for wealth accumulation by affecting stability,security,benefits,protection,etc.

The impact of the **COVID-19 pandemic**, which has caused unprecedented disruption and devastation to the global economy and society. The COVID-19 pandemic has affected wealth accumulation by reducing income,increasing expenses,decreasing assets,increasing liabilities,etc.

However,it has also created new opportunities for wealth creation and accumulation by accelerating digital transformation,stimulating innovation,promoting resilience,etc.