10 Ways To Quickly Build Your Net Worth in 2026, According to Humphrey Yang
Humphrey Yang -- an online financial influencer -- has some expert advice to cultivate your personal wealth this year. And you can do it quickly.
Yang's digestible advice has clarified a lot of confusion about personal finances, gaining him quite the following on YouTube and TikTok. His latest post is no exception.
In his YouTube video "Every Way To Grow Your Net Worth FAST in 2026," Yang breaks down 10 easy steps that are simple to follow:
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The 1% Rule
Yang said that everyone who is looking to bulk up their net worth has to follow the 1% rule. Simply put, think twice about any discretionary purchase which ends up being more than a single percentage of your net worth. Do you really need it or could you invest that money instead?
Disconnect Time From Earnings
Time used to equal money, but now it doesn't have to. Instead of trying to rent out your time, get some equity to accrue actual wealth, which will grow with your net worth.
Invest Any Bonus or Windfall
Having extra money in your paycheck is always nice, however, instead of spending it, find a way to re-invest it into your portfolio. Yang encourages anyone who might come across some extra money to pretend it was never theirs to begin with.
At the same time, Yang knows this is unrealistic and advises that you should set aside 10% of any windfall money as "fun money" before investing the remainder.
Grow Income Faster Than Expenses
This might seem self-explanatory at first until Yang breaks this concept into two methods. The first is "Higher Income with Same Expenses" and the other is "Same Income while Expenses Drop." Both can work to increase the gap between income and expenses, though anyone who manages both is supercharging their savings.
Track Net Worth
Another perhaps-obvious strategy ... which 67% of people don't do, according to a Credit Karma report Yang cites in his video. Just by monitoring how your net worth is improving or hitting a few bumps along the way can make a big difference in actually cultivating it for the years to come.
Control Lifestyle Velocity
More money does not necessarily mean more happiness via purchases. You might be earning more and more each year while also inflating your lifestyle instead of building your net worth. This one might be considered another facet of the income vs. expenses tip above.
Maximize Tax Efficiency
In Yang's opinion, the best ways to do this are: max out your employer matches strategically with your retirement accounts, use retirement accounts to shelter tax gains and tax loss harvest in taxable accounts.
Negotiate Everything
You can actually barter over a lot more expenses than you might initially think, such as your salary, home repairs, utility bills and any vendors you might partner with. Yang forewarns that negotiating is very uncomfortable. However, even that can be to your advantage if it doesn't affect you.
Automate Everything
Yang's top five financial moves to automate are utility bills, rent or mortgage, credit card payments, savings and investment contributions. Set it and forget it.
Increase Financial Literacy
Read books. Listen to podcasts. Watch more videos like Yang's. The more you learn how to take care of your money, the more your money will take care of you.
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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