If I Started Investing in 2026, This Is What I'd Do

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My life completely turned around after joining this channel. Glory be to God. I just turned 52 today, and I have reached $370K.Two years ago, I was sleeping in a basement apartment with zero savings and mounting debt. I stopped chasing 'get rich quick' schemes and started focusing on risk management and developing one solid edge. Today, I have achieved my 2026 financial goal. It's not about where you start, it's about trusting the process." 💯📈

If you went long on crude futures on 2026-01, you be millionaire now

many Vielen Dank.

Accurate and very well explained and simplified.

Hii, i’m 28 and saved $100k to start investing. After doing some research, I came up with this portfolio:

VTI →40%
• QQQ → 15%
• SCHD → 20%
• JEPI → 10%
• SPYI → 5%
• VNQ → 5%
• VXUS → 5%

What do you think? I’m not trying to focus only in dividends or only growth but both at the same time!

Lets say if I have $0 debt and 30k in my savings how much of it should i invest? I too have 401k which we can forget. How much should someone kewp in savings

I agree with most of the info but one thing that always get overlooked in videos like these is that most people can not do much of this.

If someone were to ask me it's pretty simple.

1. Make a budget – This will let you know what your income and expenses are and show where you can potentially save money and if you are actually living to your means or spending on expensive things you don't need.

2. Invest any surplus and money saved into an emergency fund and an index fund.

3. STAY TO THE BUDGET, DO NOT TOUCH THE INVESTED MONEY

Well….i already started investing while I’m growing my emergency fund …but I’m investing small amounts and trying to be consistent with it . Since I’ve already started may as well keep going with the small amounts…right ? Then overtime after the emergency fund is filled , invest more. I’ve paid down SOME debt with my tax money …I paid off 1 credit card , I have one more that I want to pay off and get rid of so I’ll just have 2. After that’s paid off I’ll work on other things I owe…now student loans that’s a different story. If I wait til I pay that down I’d never be able to invest 😂

Spot on advice regarding the T212. I’m currently running a 'Low Stress' experiment comparing my long-term Pie growth against the high-stress 'luck' of scratch cards. Seeing the P&L side-by-side really proves Housel’s theories on risk vs. reward. And I have a particular 5 pie structure that returned 9% consistently each month for the past 5 months, and I'll bring a video out on this soon!

This lady is not making you money or give any advice that would suggest you can go from $100 to $1mln. This is the type of channel that provides only buzz words and wishes washy advice to play on people’s hopes. In her own advice with 9% compounding you’ll get to 1mln from $100 in 107 years!!! This should be reported to FCA. Appalling

Thank you so much for making simple videos. It’s also very helpful for women or single moms who has no knowledge of investing. They do work hard to earn money but they need to learn this to become more financially secure. You are doing a great help to them to not to afraid and think about becoming financially independent.
Very knowledgeable videos.

Is marriage a good investment?

Still trying to figure out where to invest and how to build my portfolio long term (30/35yrs). Vanguard all world, ok, and what else? Which emerging markets etf? Which government bonds?

Tired of the BS that oh, investing is easy and once you have a 100K$ you get to a million no, sweat
These guys always use the example of the US stock market, which is an exception. Even then the average return for the past 20 years has been less than 7% yearly (and that is before fees and taxes eat into that) . European stock markets have performed far worse , some of them providing returns lower than inflation

So I won't be able to invest, because I have debts. Got it. 😪

Complete beginner here. What index funds would be a good start. Also is it counter productive to invest in several index funds. Would I be better off to put more into 1 or spread it over a few?

I would also add having a plan and sticking to it removes the emotional labor of it. You can withstand dips because the overall portfolio is strong enough to survive

Exceptional communication – solid information and a pleasant delivery. Thank you and V/R!

What is the best strategy to enter stock investing now for someone with more or less than $5,000

greatttttttt

starting in 2026 feels like a long way off but this strategy actually makes a lot of sense

This is good advice. I have watch and listen to many many videos out there, even reading. Even took a free course online regarding finance. 2026 is the year I decided to get my finance in order.
Step 1 before doing anything will be to make your budget. This right here is the most important. You can check how much you earn in the past 6 months or so and how much you spend. Then you create what I call an year 0 budget. That means you note all the payments that goes monthly (like your insurance, rent or mortgage, car payment, any montly debt you are paying. cell phone bills, internet bills) these are usually fix. These are the one you cannot change no matters what and it considered your minimum amount you should earn to bet a net 0 loss/win. Then you add your expense that flutuacte such as food, gas, clothes and credit card payments. If you have kids then it's a whole different budget but pretty much the same. Then comes your budget year 0 after the analysis you made. That mean you plan ahead your expenses based on the information you got (for food and gas try to estimate and set a budget and respect it) then when you make those payments make sure to write down and track where the money goes. Do the same for your income (expected income vs true income). The ideal budget will be that the balance of each month is a minimum of 1$ in surplus. It's not perfect but at least you are surviving!
Step 2 : once your budget is in place, you have two options, either increase your income or reduce expenses. It's usually easier to reduce than to increase income. That means if you have to cut non essential spending then you have to do it. No more restaurants, no more 2$ coffee daily, no more takes out, reduce travel in order to cut down in gas. It's pretty much a diet. If you can save 100$ a month it's very good (i know because i managed to save 700$ a month by applying this same principle). The hard part is sticking to your budget, but you have to do it, and stick with it. Yes life is getting more and more expensive, question is WHAT ARE YOU GOING TO DO ABOUT IT ?
Step 3 : after you first month trial, how did it go? did you save money? even if its as low as 100$ a month, it's better than 0 (but like i said, when you cut down non essentials you are going to save a lot of money). With that additional income you have now have a choice! You can snowball it, forget about investing, forget about retirement. 100$ a month is 1200$ a year. put the money into your saving accounts so it can start earning a little bit of interest, (start shopping for the best choice, 2% is good target).
Step 4 : See how much debt you have, here you have multiple choice to attack, usually people will say target the high interest one, other will say target the lowest balance. Which ever you chose make sure to have a plan. Obviously the higher interest one is the better long term, but they are usually the one with more debt. Think about the budget. Let say you have 1 000$ credit card debt at 19.99% interest and somehow you got a car loan at 22.99% currently sitting at 15 000$ left to pay. But with you 100$ a month, if you tackle the credit card, as fast as possible, all of suden you monthly budget will increase once you reach 0$ on it. Then and only then when that credit card hits 0$ use it only to pay utilities which you then pay back the full amount.(if you have a card that earn points or cashback this is great!). When you finish paying that credit card you will notice your budget will increase to 150 per month left over (of course other things will increase, and if your pay also increase put it in) and now we have the choice again of making another great idea, start paying off the car loan. But pay the 100$ more per month and keep the 50$ into your saving accounts, keep a bit of money in case you need while paying down slowly your other debt. By year 3, you should be in a better position. This is where you no longer have car payments, and all that money goes straight into the saving account. Once you have 3-6 months which can sometimes takes a while, but start slow, save 1 000$, from there it's get easier., and if you keep that momentum you can really snowball.

Of course this is extreme and 100$ per month is what I think most people in extreme situation are, but remember look at your budget I can guarantee 70% of you are spending about 400-700$ a month by going out. It's okay to have hobbies and activities but you can also look for free events, free place that gives free food, it's important to be frugal. It's okay to go in debt too if you want to buy something, i'm not saying you shouldn't it's your money but the minimum to understand is that your budget should always be in the green. If you have a surplus of 1k per month, and you want to buy something and the monthly payments are 350$ per month (technically it's fine, it's not smartest move but it's fine, just pay it off quickly to not pay much in interest). The best way to see if its worth to put yourself in debt is simple, ask yourself does the person of today really need it and if your person in 5 year is still going to enjoy it (or need it) Some stuff will be yess, other will be no if the answer is no then it's not worth going debt over it. Also there another option that some debt are good debt. Ex : I recently purchased a new bike. it cost 12k$ I had the money to buy right away cash, no debt. I also have a surplus budget of 1 500$ a month (not including any amount I earn from interest or dividends) I was offered 12 month 0% interest to get into debt. Basically gonna cost 1 000$ a month. I said yes, the 12k cash is gonna yield me at least 8-10% in my portfolio and the bike is costing me 0$ to finance, sure I'm taking a deficit in my surplus but it's the risk vs reward it was better, basically im using someone else cash to buy a toy that will provide me years of fun and cheap travelling alternative while using my own money to generate more wealth for the future, this is the one thing the rich do to get richer. (I learn that and i try to share as much as I can) yes to get to that point will take a while, but no one said getting wealthier was easy, unless you magically found the secret tech or you are a one of kind human being, everyone else just takes times or be born rich i guess. (of course not everyone will ever get to that point because of countries, job, etc etc) but the idea remains the same.