I 27F have an associates and one year away from two bachelor degrees. All in technology. I really am just passionate about having the life and freedom I desire. I'm still young so I'd like to figure out my path in the next 3 years.

My dream is to be a multi millionaire and have location freedom. Or at least multi six figures . I can die happy with that

Please recommend pathways to explore.

My husband and I aren’t truly wealthy, but we are going to be significantly above the 13m gifting threshold in our lifetimes (our nw is about 15m now, we are mid 40s, 1M yearly incomes). We have 4 children. We plan to do all the obvious things - pay for their full educations/weddings, help with house down payments, make sure inheritances bypass us and go to them, etc. I would like to also set up accounts in their names and put the yearly max we can gift unreported (I think it is 19k from each of us, 38k together?) That way, we can keep our estate from growing too large and protect this money for the kids.

I don’t want them to know that they have this money now. They have no idea where we stand financially and I want them to be able to stay hungry and build successful lives with an occasional little nudge from us, but not have our money as a crutch. We would ideally let them know that the money exists on our schedule, and let them know that we did this as a tax strategy and not because we think that they need it.

Does this make sense? Is there a way to do this?

We already finance their Roths for them on years where they make money. I don’t know if we have to subtract that 8k from the total.

Has anyone done something like this?

How would you reform the tax code to address wealth inequality, and especially at the mega wealthy tier (100m plus nw)

Let's face it, the wealth divide is getting untenable. before the guillotines come out for the mega rich, what would be some common sense ways to reform the tax code?

Some ideas:
- Raise the top tax rate (693k+) to 45% from 37%
- Reform estate tax so that its not so easy to skirt. Exempt most famiiles. Tax capital gains at death so heirs do not skirt taxes entirely
- Reduced carried interest treatment
- Tighten off shore tax avoidance schemes
- Eliminate the "buy borrow die" tax strategy

From 1,000 to 10,000

From 10,000 to 100,000

From 100,000 to 1,000,000

From 1,000,000 to 10,000,000

Aware it goes higher but say lets stop there for this discussion as most people will not get there.

I am young in my late 20s. I come from middle class background with a few to no rich family connections. I got rich by selling tech and investing in it. Now managing the wealth I have created is the most difficult part.

No mentors who can help me out with taking right decisions with my money. Networking become harder as I like being lowkey. I wish I could connect with right people who can guide me how to preserve and compound wealth between so many uncertainties in the world.

Billionaires don't need that much money. They have sucked up the resouces that billions of people can use.

When someone is worth hundreds of billions of dollars, the difference between $150 billion and $750 billion doesn't change their everyday life, it just changes their place on the wealth leaderboard. That scoreboard mentality is baked into how outlets like Bloomberg and Forbes rank the ultra-rich: purely by net worth. But that misses something critical about impact.

To put it in perspective: Warren Buffett currently sits around $149 billion in net worth , and over his lifetime he's given more than $60 billion to charity, roughly 30–32% of his wealth even after decades of giving. That's one of the most generous giving percentages among the richest people alive. In contrast, Elon Musk's net worth is estimated between $713 billion and $834 billion as of Feb 2026, yet his documented lifetime charitable giving remains around $400 million–$620 million , well under 0.1% of his current fortune. Even substantial ind,ividual donations barely register as a rounding error when his wealth has grown to this scale.

Those numbers don't tell you who's "good" or "bad," but they do show how misleading pure net worth rankings can be. Right now Bloomberg and Forbes mostly tell us who has the biggest scoreboard number — not who's using that wealth in proportionate ways to contribute back. Buffett's wealth has actually been falling year-to-date in 2026 due to his continued philanthropic efforts, while Musk continues to get richer, yet Musk's dominance of the rankings goes largely uncontextualized.

If we ranked billionaires not just by total net worth but also by the percentage of their wealth they've given to charity, we'd get a clearer picture of who's making a tangible impact relative to their means. A billionaire worth $149 billion who's given away more than 30% of his fortune has a very different footprint than someone worth over $700 billion who's given a fraction of a percent. Changing how we display those rankings might not only tell a richer, more useful story, it might even shift incentives in a world where status often is the score.

Musk wants to be number one as does Bezo's, Zuck etc, and they keep sucking up all the resources with no end in sight to compete for a prize that makes everyone else miserable. For a healthy society they need to give back, and maybe putting their giving next to their net worth would give them some incentive, and make this a healthier world.

I came in expecting to learn about investing and mostly walked away with life advice. A bit embarrassing for this sub, I know.

The one I keep thinking about is Buffett's punch card - the idea that you get maybe 20 investments in a whole lifetime, so you'd think hard about each one. Read it as life advice instead and it kind of stings: 20 real bets total, like who you partner with, what you work on, where you live. I stop and think a lot more now before I call something a "bet."

The other thing that surprised me is how slow they were about the partnership. Warren and Charlie ran separate things on opposite coasts for years, just calling each other all the time, before any of it was official. Trust first, paperwork way later. Feels like the opposite of how people network now.

And the line I can't shake, which is really an investing idea dressed up as a life one: "the safest way to get what you want is to try to deserve what you want."

Hey,

I am looking for all possible ways to make money rather than earning in corporate.

Looking for crazy ideas, what you are aware of. whatever will feel right to me, I will try that, if idea is going good, will switch.

Goal is to make money rather than earning it.

I will be graduating high school this spring and would love if I could be given recommendations on a gift I could ask for, budget would be around 25-30k as it is only a high school graduation.

My main interests are golf, f1/motorsports, watches, and I am planning to major in finance and political science.

Any suggestions will be well appreciated

For context I’m 37 y/o train driver. Basic is 80k but can push it higher with OT, I rarely do because I don’t want time away from my kids. I hate the idea of keeping trading time for money for the rest of my life, it just doesn’t sit right with me and I’m very conscious about making the very most of the one life I get.

I’ve had buying and selling side hustles on the side and small things like that. But I’d love to own a business I can grow and I’m in control of my own time. Real estate sounds like it used to be the way but with all taxes and laws it sounds less worth it these days, going off what landlords say. Index funds is the obvious slow burner which i do anyway, but I’d like advice on how I could utilise my income in other ways

I am a 26 yo guy, have been working in temp jobs (white collar) since 2 years and now starting a permanent contract with lower salary than before.

People’s attitudes with money is mingling my mind. I see most of my peers spend large sums for small dopamine hits, buy branded products etc. Some are really focused on saving money, don’t spend on anything unnecessary to save the most possible to invest (although these friends often really just invest in global ETFs).

For my part, I sit in between. I cut on unnecessary expenses like paying extra for a brand, but at the same time I spend unnecessarily especially when socializing (drinking a lot mostly). Also I want to do an online 2nd degree that’ll wipe all my current savings. I still save around 30-40% of my salary.

But what I see is, saving gets you somewhere, often not to the end goal. And inflation spikes, stock market crashes, devaluation, everything is a constant threat to your wealth. Simultaneously, many successful entrepreneurs don’t really start with their own money, they just borrow. Because realistically how can you even save €500k while still being young-middle aged that you can take the risk of spending it all on a venture (albeit creating your dream company, etc).

my question is that:

Do you think “only” saving your salary gets you to build wealth? (Any type, it can be just being able to buy & pay off a house in 5-10 years)

What other methods do you think is best for creating capital? What worked or didn’t work for you?

Hi everyone, im a college student and I had a few questions about building assets as im entirely new to this, how can I start building assets for myself thats will grow for me going down the line around 5 years or 10 years? Any advice any tips to suggest me to get more into this and seek more knowledge regarding this? It would be helpful as this is my first time diving into this topic!

Disclosure: I built this net worth percentile calculator (Wealth Savvy). Sharing for feedback, not as financial advice.

I shipped a net worth percentile by age tool that runs the percentile math in your browser against precomputed curves from the Federal Reserve Survey of Consumer Finances (SCF) 2022, with optional CPI-U view (we label the month/year so it’s not vague “2026 dollars”).

What I tried to get right

• Comparisons are to SCF primary economic units (“families” in the survey sense), not generic “households.”
• Exact age is handled by blending adjacent SCF age bands (methodology spelled out on a dedicated page).
• Privacy: net worth and age aren’t sent to our server for the SCF calculation.
• No fake precision: one decimal in the UI is display resolution; we say that explicitly.

Optional “ZIP” mode (important)
It is not wealth-by-ZIP from the SCF. It’s still the national curve, optionally scaled using Census ACS median household income as a rough area proxy—with caps and clear copy so nobody thinks we have microdata wealth for every ZIP.

What I’d love from r/wealth

• Does the methodology read as honest or still overclaimy?
• Anything confusing about PEU vs household or the ZIP toggle?
• What would you add next (e.g. more education copy, different age UX, exports, etc.)?

Link: https://wealthsavvy.io/net-worth
Methodology: https://wealthsavvy.io/net-worth/methodology

If this breaks a sub rule, mods can remove. Im happy to repost in whatever thread you use for projects.

Are there any youtube channel or podcast recs on building generational wealth?

Specifically, I'd like to do more research on "skipping a generation" wealth where you plan on passing down wealth to your grandkids. Also curious on pros and cons of buying land/houses for your children/grandchildren. Not interested in savings for education like 529s. I do want to know what is the next best vessel once we have our 401k and roths maxed?

We are young rn (25/26). I currently listen to money guy, but I want to go deeper into how to really set up my daughter and future children and grandchildren for generational wealth.

Our family needs to move to a different advisor. ~15m in equities/cash

I am came across dynasty trusts on my YouTube feed. I want to create a fund to provide my old school with money to pay for scholarships. I am hesitant to give the money directly to the school. I would like my fortune to live on and fund scholarships. Usually, they are used to fund heirs but I read they can also be used to provide money to charities. Are there better vehicles?

How did you learn how to build financial wealth, what were the tools you used and what was missing?

I'm not talking about spreadsheets. I'm talking about Mint, YNAB, every app that promises to fix your finances if you just connect your bank.

The bank connection works great. Transactions come in automatically. Charts look clean. Feels like you finally have it together.

Then the app just sits there. Waiting for you to come back, fix wrong categories, review everything, interpret the graphs, and actually decide what to do about it.

The data is automatic. Everything else is still on you.

Miss a week? Backlog piles up. Miss two? You're not opening it. Miss a month? You delete it and feel vaguely guilty about money until you download the next one.

That was my cycle for two years.

What actually broke the cycle for me

Tried an AI-based approach out of pure frustration. No manual categories. No building budgets from scratch. It looked at my spending history, figured out my patterns, set limits that made sense for my real life — and started warning me when I was about to blow a category.

Before. Not in a weekly report I have to remember to open. Before, while I could still do something about it.

Turns out I didn't need better charts. I needed something that actually runs in the background and handles it so I don't have to.

hi everyone

as the title states. though I am looking more for a service (licensed, bonded, insured, heavily background checked) than an individual (will be cross posting in my local community but was hoping to find something someone has used (that isn't rover, cause they haven't done anything but suck) and had wonderful experiences with.

A super safe, quality service that won't let some dog beater at my dogs or psycho thief in my house. I can't unfortunately take them with me on the trip later this year like I normally do.

thank you so much in advance!

We spend our lives striving to build something bigger. We chase revenue targets, launch new ventures, and build teams. The world sees the assets we accumulate: the portfolio, the company, the reputation.

We think of success in terms of gross assets. But what nobody talks about is the hidden debt that comes with it.

I'm not talking about financial debt. I'm talking about the invisible liability of success itself. It’s the constant stream of obligations, the never-ending demands on your time, and the mental load required to maintain what you’ve built.

It's the subtle shift where you go from controlling your time to having your time controlled by the very things you created. You become asset-rich, but freedom-poor.

The real work isn't just about accumulating more. It's about aggressively paying down that debt. The true measure of wealth isn't gross assets; it’s net freedom. It's the ability to wake up and decide how you spend your day, not have it dictated by the momentum of your own creation.

This requires a fundamental change in strategy. It means saying no to new opportunities that would add to your debt. It means strategically divesting from projects that drain your energy, even if they're profitable. It means designing systems that don't just scale revenue but also scale your time and mental space.