Money Guy Show How To Get Rich and Stay Rich in 2026 (By Age)
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Jan 30, 2026 Practical steps for building and preserving wealth across decades. Key habits to start in your 20s and checkpoints for each decade. Common traps like overspending, bad debt, and chasing risky get-rich moves. Targets and rules for saving, buying homes and cars, and preparing a robust retirement landing.
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One-Time Income Checkpoint By 30
- By decade-end, aim for invested assets equal to about one times your annual income.
- Use that checkpoint to enter your 30s with momentum toward long-term goals.
Save 20–25% And Automate It
- In your 30s, target saving 20–25% of gross income and pay yourself first via automation.
- Follow car and home affordability rules to avoid crowding out savings.
Follow The 23/3/8 Car Rule
- Follow the 23/3/8 car rule: 20% down, ≤36-month loan, payments ≤8% of gross income.
- Use the car affordability calculator before buying to prevent damaging your net worth.