This week, I am showing you a playbook to make 2026 your best money year yet.

In it, I will show you how I think about:

You can check it out here ⬇️⬇️⬇️

I have been working out nearly all my life.

A decade plus of those years were spent with some of the best personal trainers and nutritionists available.

Each year, they would have a new “thing” that was going to change my training.

It was going to take me from the player I was the previous year and meaningfully increase my performance the next.

Yet, if I am being honest with you ~ Year after year, it was the tried and true things that helped me get ready for the season.

It wasn’t:

Now, sure, there were a few outlier things we did that helped me increase performance by 1-5%. At that level, every percentage is meaningful.

Yet for everyday life, it is nearly unrecognizable.

Today, if someone asked me how to get in shape, here is what I would tell them:

Thats it…

You see, the incremental difference of adding the out-of-the-box food or workout truly isn’t needed.

Your body and your health are going to be essentially the same.

I look at levels of wealth much the same.

The difference between $1M and $2M to the human mind isn’t that different.

Yet the difference between $1M and $5M feels like worlds apart.

Today, I want to give you a peek behind the curtain of what I have seen advising clients at each level of wealth.

Let’s dive in…

I was having a conversation with a client of mine this week, and we were discussing the levels of wealth.

I had made a comment to the effect that after a certain level of liquid net worth. The type of net worth you can actually access (not business valuation, real estate, etc..), the difference I had seen was very minimal.

Now look, there are tons of online studies (and even books) on this topic. They have some wild data set they are going off of.

Yet what they often don’t have is the real conversation or day-to-day interactions with those same people.

For me, the average client I advise is worth more than $10,000,000. That is a lot of money by anyone’s standards.

So I get an inside look at how quite a few people look at money, spend it, and how it ultimately affects their lives.

Here are a few levels of wealth I have recognized:

$1,000,000

At this level, it creates the ability to think differently about what you are spending your time on.

The clients I see at this level are still actively thinking about how they can save more money and create additional future flexibility.

Yet they are starting to (often for the first time) think about how they are spending their time.

They are starting to think about taking a bit more risk in their work or spurning that opportunity even though it might pay well.

$5,000,000

You might wonder why I just skipped $2-4M. Well, the truth is, I don’t see much change in the thought process there.

Perhaps it is the human psychology to love “milestone” numbers, but I have and do see a shift at $5,000,000.

I see clients feeling at ease and start to see them appreciating the accomplishment of building this level of net worth.

They start thinking that true optionality is right around the corner.

$10,000,000

For 99% of the population, reaching this number means you can essentially do anything.

In fact, I would argue that this is “the number” for many of my clients.

Outside of flying private jets, living a high-flying life, or having to stay at a five-star hotel every trip, this level of net worth allows for just about anything else.

Of my clients, the “higher spending” demographic typically spends around $500,000 a year.

The interesting part is that the client with $10M is often within striking distance spending wise to the client with $50M.

So while their wealth looks drastically different, the actually fufillment (spending-wise) nearly mirrors each other.

$20,000,000

This level of net worth allows you to control all decisions with money out of the equation.

Now, of the clients I work with at this level, many still work (and pretty hard).

You see, for people to get to this level, I have typically found them obsessed with the game.

So sure, they can do anything, but for many, the craving is solving new and interesting problems.

They just don’t have to put money into any equation.

So what can we take away from this (at any net worth level)?

You should think about building net worth in bigger bands.

Yes, each bit of money matters, but from my experience, the emotional difference (which often matters the most) happens in bigger bands.

$1M feels way different from $5M

$7M doesn’t feel much differant than $5M

Yet $10M feels like a world away from $5M

Right or wrong, human psychology is weird like that.

Until next time my friends!

What number would you need to have to remove money from your equation?

Money is so tied to nearly every decision we make.

The restaurant we eat at, the job we take, and the vacation we go on.

Consider for a second what level of money you would need to remove it from your equation?

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Moment Private Wealth, LLC is a Registered Investment Advisor, located in the State of Missouri. Moment Private Wealth provides investment advisory and related services for clients nationally. Moment Private Wealth will maintain all applicable registrations and licenses as required by the various states in which Moment Private Wealth conducts business, as applicable. Moment Private Wealth renders individualized responses to persons in a particular state only after complying with all regulatory requirements, or under an applicable state exemption or exclusion. Nothing in this content is intended to be, and you should not consider anything in this content to be, investment, accounting, tax, or legal advice.