This is the offensive truth: every time we buy one of 7 spectacular stocksShop with the largest online retailer Pay interest on the loan In a well-known bank, we put our money in the pockets of billionaires. To put their vast wealth in sight, earning $50,000 a year would take 20,000 years to make $1 billion, even if you don’t spend a penny.
Meanwhile, according to Bankrate’s 2025 Annual Emergency Savings Report:
The wealth gap is wide, but here are some encouraging news: you can learn how to make your money work you, Instead of a billionaire. Make these four changes to invert the script and regain your financial strength.
1. Banks and local shops
Big banks don’t just hold your money – they use it. If there is a deposit Low Streams Savings Accountthey may be funding billions of dollars in transactions, lobbying, and risky investments that don’t make any profits for you.
Local credit unions and Community BankMeanwhile, you tend to cycle money with small businesses, mortgages and community development projects in your neighborhood.
Last year I transferred some of the money I had saved for my down payment to a local credit union and got a higher interest rate. Deposit certificate More than the large national bank provided.
Similarly, supporting your local coffee shops, bookstores and family-run restaurants will help much of your money recirculate within the local economy, helping you work and helping your independent business survive.
2. Shape the world philanthropy and earn tax credits
Billionaires are well known for using charitable donations to receive Tax credit And boost their reputation – but that doesn’t mean that this strategy is off limits for the rest of us. In fact, it is one of the most powerful financial tools that we all can use.
For example, one of my clients held a golf tournament for his youth sports organization. By donating and sponsoring, I supported the mission I believe in, developed new business relationships, and received tax benefits.
It’s one strategy that most Americans overlook. Donation stocks or other assets that are highly valued. Usually, if you own a stock with a value-growing value, you borrow taxes on your profits. However, by donating the valued assets, nonprofits get full value and receive double tax benefits, avoiding tax deductions and capital gains tax.
3. Stack cash so you can jump to the opportunity to build wealth
Most people save money just in case something goes wrong. Billionaires can save money so they can move faster when their assets are sold. The average American fears a recession, but the billionaire is stacking cash for the next real estate transaction, startup round, or market dip. They are ready to act.
Most of my clients are not in a position to invest quickly, as they have low base cash flow cushions or have to pay back credit card debt. Average interest rate Over 20%.
Since I completely lost my debt in 2019, I’ve now carried more cash than the median Americans Bank account balance is $8,000So, great business and buying opportunities roll. You’re ready.
4. Be certified as an investor
The wealthy people have access to exclusive investment opportunities that the average consumer doesn’t.
Certified Investors An individual or organization that earns $200,000 a year or has a net worth of at least $1 million. They can invest in private real estate transactions, startups and other invisible opportunities that offer high risk but much higher returns.
Working towards the status of a certified investor is like getting a VIP pass to your favorite concert. Access exclusive opportunities, better perspectives and more rewarding experiences.
The goal isn’t just to be richer. It has the option to invest in the companies you want to succeed. Stock market.
This goal is not achieved overnight. It took me 10 years to increase my net worth and become a certified investor. Now I’m focused on investing in small businesses that aren’t run by billionaires, but those I know, like and trust.
Final Thoughts: Act quickly and in unison with your values
These four moves are meaningful and powerful changes that will help you redirect money from Megarich towards your goals, values and future. They also helped them build wealth in ways that they felt intentionally, not only to acquire more material things.
Try it this week. Open your Credit Union Account. Get access to and support local businesses. Set donation goals for that year. Stack the cash. Your money should work for you and the people you care about – and it can start today.
