How To Invest In 2026 (The BEST Way To Get Rich)

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BUILDING WEALTH IN 2024:

-Optimize for Cash

Start by tracking all of your expenses and income over the next 60 days using software like RocketMoney, EveryDollar, MonarchMoney, or even your own excel spreadsheet - and then, log every single penny that goes into and out of your account. There has never been a better time in the last 20 years to earn money on your money, since High Yield Savings Accounts are almost ALL paying over 4% APY.

-Pay Down High-Interest Debt

The average American now owes more than $22,000 - Credit Cards, Car Loans, and Personal Loans make up almost ALL of this - and, at today’s interest rates, this could EASILY be costing you thousands of dollars per year. In terms of the HOW to pay down debt as fast as possible - you have two ways:

The first is called “The Avalanche Method,” and mathematically - this is the perfect way to pay down debt. This is because you’ll begin paying down the highest interest-rate debt, first, that’s costing you the most money - and then, once that’s fully paid off - you’ll pay down the next highest interest-rate - and the next - and the next - until eventually, it’s all paid off.

The second method takes on a more psychological approach, and that’s called “The Snowball Method.” This works by paying off the smallest balance first, regardless of the interest rate, and then paying off the next smallest balance. The reason this works is because you’ll get the “win’ of paying off a debt, in its entirety - and by seeing results, faster, it’ll be easier to stick with it long term.

-Creating a Roth IRA

This is an account that you contribute up to $7000 per year into - and then - by the time you’re 59.5, you can pull out all of your profit, completely tax-free. Not to mention, the ideal time to start and contribute to this account is when you’re young and not earning a lot of money, since - one: You’re probably already in a low tax bracket, so you have more after-tax income to invest, and two: You’ll have decades to allow compound interest to grow your money into something significant.

-Choosing Your Investments

First: Diversify.

You NEED to spread out your money across different companies, sectors, and areas so that if something happens to one - you’ll have others to fall back on.

Second: Don’t Try To Beat The Market.

Even though it’s tempting to want to utilize alternative investments, pick individual stocks, and create your own portfolio to get higher returns - the reality is: almost everyone fails.

Third: Research Index Funds.

A few years ago, Warren Buffett famously said that this is the single best investment for the vast majority of people. Index Funds cover a wide variety of stocks and industries, they’re well diversified, and - they’re really cheap to own.

Fourth: Assuming you can follow the above - Dollar Cost Average and Do Nothing.

Overall, if you want to build massive wealth - long term - all of it starts with the boring basics: Optimizing your savings, reducing high-interest debt, investing in tax-advantaged accounts, diversifying your investments, setting realistic expectations, and then - sticking with it consistently for decades.

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*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.