Make 2026 Your Richest Year Ever With These Tiny Habits, According to Vincent Chan
Vincent Chan is a financial YouTuber who focuses on breaking down money concepts so anyone can understand them. In his recent video, Chan lists seemingly small actions that can compound over time. See whether these habits could change your financial future the way they did for Chan.
Conduct Energy Audits
Chan cited a Harvard Business Review study that found top performers don’t manage their time better — they manage their energy better. To do that, Chan recommended conducting an energy audit. Use a tool to track your tasks, then after completing each task, mark it with a color: red for draining your energy, yellow for neutral and green for giving you energy.
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After two weeks, Chan said to “batch” the tasks. Instead of spreading energy-draining tasks throughout the week, schedule one block of time dedicated solely to those responsibilities. If possible, he said, stop doing energy-draining tasks altogether.
Conduct Money Audits
To audit your money, Chan said to use a spreadsheet to document the past three months of income and spending. Look for recurring charges and decide whether you still need them, then cancel accordingly.
“Just like how you do spring cleaning for your house, where you look through your closets and throw out all the old stuff, you should also be doing regular maintenance on your personal finances,” Chan said.
Make Ongoing Focus Lists
Many people create to-do lists that just get longer and longer. Chan said any unfinished task can register as a failure in our brains. To combat this, he recommended creating a “focus list” with three to five tasks that are realistically achievable that day.
Invest Little and Early
You might be holding out on investing because you can’t contribute a large amount. Chan cited a J.P. Morgan study that said investors who contributed less money overall can end up with more wealth than higher earners because they started earlier and gave compound growth more time to work.
Implement the 2% Rule
The 2% rule involves spending 2% of your day working on 2% of your vision. Chan credited this rule with much of the success he has today.
“By the end of the year, you would have spent over 180 hours on this specific task that will move the needle in your life,” Chan said.
Remove Friction
Lastly, Chan said to remove any obstacles standing in the way of achieving your vision. Start by identifying tasks you resist doing, then break down exactly why you don’t want to do them. If there are “micro activities,” as Chan called them, that get in your way, determine how to make those steps easier — or remove them entirely.
This article was provided by MoneyLion.com for informational purposes only and should not be construed as financial, legal or tax advice.
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