Most People Will Stay Broke in 2026 Because They Won’t Do This
Most people think becoming wealthy is about finding the right investment or catching the next big crypto wave. But wealth starts in your mind not your wallet. Over the years, I’ve learned that money follows mindset. And if you can change the way you think about wealth, you can change the way you build it.
How I Invest My Money
I invest in five main areas: my own business, real estate, stocks, speculative assets, and a little bit of gold. My business, Briefs Media, is my largest investment because it’s something I control and understand deeply. Real estate makes up about 50% of my portfolio it’s stable, cash-flowing, and tangible. Stocks account for around 30%, split between individual companies and funds like ETFs and index funds for diversification.
About 18% of my portfolio is speculative the high-risk, high-reward zone. This used to be mostly cryptocurrency, but I’ve shifted more toward startup investments in recent years. Finally, around 2% is in physical gold not as an investment, but as a savings tool. Gold doesn’t make me rich, but it gives me peace of mind.
My Thoughts on Crypto Investing
When I first bought Bitcoin back in 2016, it was trading around $3,000. That investment paid off big time but it also taught me an important lesson: crypto is speculative. It’s exciting when prices skyrocket, but it’s devastating when they fall 80%. Too many people think crypto is their ticket to financial freedom. It’s not. If you’re living paycheck to paycheck, you shouldn’t be betting your future on something that can lose half its value overnight. Build your foundation first earn more, save more, invest consistently and then, once you have stability, you can afford to take calculated risks.
Why Mindset Matters More Than Money
Before I ever made money, I had to fix how I thought about it. I used to believe wealth was for “other people.” But the truth is, no one’s going to hand you permission to become wealthy you have to claim it. I tell people all the time: say it out loud “I will become wealthy.” That mindset shift might sound simple, but it’s powerful.
When I taught in underprivileged schools, I saw firsthand how environment shapes belief. Some kids were told their whole lives that success wasn’t meant for them. And when you grow up hearing that, you start to believe it. Breaking that cycle starts with education and self-reflection. You have to unlearn what the world told you about money and build your own definition of success.
Managing Cash and Staying Ready for Opportunities
One of the biggest mistakes people make is not having cash when opportunities come. I keep multiple cash reserves a personal emergency fund, a business emergency fund, and cash set aside for investments. That liquidity lets me act when the right deal comes along, whether it’s real estate, a stock dip, or a startup worth backing. Cash isn’t just for emergencies it’s for taking advantage of opportunities when others can’t.
Breaking Through Invisible Barriers
Most people are trapped by invisible walls they’ve built in their own minds. There’s a classic exercise called the “nine dots puzzle,” where you have to connect all the dots without lifting your pen and the only way to solve it is to draw outside the box. The lesson is simple: most limitations are self-imposed.
I like to think about it like an ant and a spider. If you draw a circle around an ant, it’ll stay inside because it thinks it’s trapped. But a spider? Eventually, it steps over the line. The only difference is belief. Too many people live like the ant, thinking they can’t move beyond their circumstances but the truth is, the barrier isn’t real.
Breaking Free From Traditional Success
When I started my YouTube channel, I never thought it would become a business. It was just a hobby something I did for fun while running my clothing line. But when I hit 100,000 subscribers, then 1 million, I realized something: success doesn’t have to follow the traditional path. Once you break through your first big win outside the system, you’ll never look at opportunity the same way again.
How to Overcome Psychological Barriers
If you feel stuck, start by doing things differently. Don’t follow the same path everyone else does and expect a different outcome. Create visual reminders of your goals photos, notes, or affirmations and put them where you’ll see them every day. That’s how you keep your focus and momentum. And most importantly, find your “why.” Your purpose will keep you moving when motivation fades.
Fueling Success With Purpose
In the beginning, I was motivated by anger I wanted to prove people wrong. But over time, that evolved into something deeper. My purpose became helping others understand the system that controls their money so they could build wealth on their own terms. Going from selling socks to building a financial media company taught me that true wealth comes from purpose not profit alone.
Money is a tool. Mindset is the engine. When you combine the two, that’s when you start living life on your own terms.
Jaspreet Singh is not a licensed financial advisor. He is a licensed attorney, but he is not providing you with legal advice in this article. This article, the topics discussed, and ideas presented are Jaspreet’s opinions and presented for entertainment purposes only. The information presented should not be construed as financial or legal advice. Always do your own due diligence
