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The 2026 Playbook

What if you had to start from $0 in 2026? No shortcuts. No lottery tickets. No “get rich quick” nonsense. Just a clear, mathematical blueprint. In this video, we break down “The 2026 Playbook” — a 5-phase wealth-building strategy designed to take you from scratch to real financial momentum. This is a step-by-step system grounded in math, psychology, and discipline. Here’s the framework: PHASE 1: The Debt Destroyer High-interest debt is like filling a bucket with no bottom. We use the Avalanche Method: • Pay minimums on all debts • Attack the highest interest rate first • Lock in guaranteed, tax-free returns by eliminating 18–25% interest PHASE 2: The Cash Fortress Build 3–6 months of essential expenses. This is your financial insurance policy. It protects you from emergencies and prevents panic-selling investments. PHASE 3: Boring Is Better (The Portfolio) Most pros fail to beat the market. So stop trying to outsmart it. • Invest in broad index funds (VTI, VOO) • Own the whole haystack, not just one needle • Follow the 90/10 rule: 90% disciplined investing 10% “fun money” for speculative plays PHASE 4: The Tax Shield Use tax-advantaged accounts strategically: 1. 401(k) up to the employer match (free money) 2. Roth IRA (tax-free growth) 3. HSA if eligible (triple tax advantage) 4. Brokerage account (only after the above are funded) PHASE 5: Get a Bigger Shovel You can only cut expenses so far. There’s no ceiling on income. Invest in high-leverage skills: • Sales • Coding • AI workflows • Public speaking • Leadership Better skills → Bigger income → Faster compounding. This isn’t about hype. It’s about structure. It’s about discipline. It’s about building wealth on purpose. If you had to restart from zero, which phase would you focus on first? Drop it in the comments. Let’s build smarter.