Heading into 2026, Business Insider shares wealth-building advice from financially independent investors, including tracking net worth and leveraging income streams. Achieving financial independence remains a top goal for many Americans amidst economic uncertainty and market volatility.

To build wealth in 2026, start by setting specific goals around net worth, income, or retirement. Dexter Zhuang achieved Coast FIRE by determining his “number” using an online calculator, allowing his retirement accounts to grow and support his golden years without additional contributions.

Ramit Sethi advises focusing on big financial questions like savings rates, debt payoff, and retirement goals, rather than minor purchases. The wealthy prioritize these “$30,000 questions” to build lasting wealth and ensure a comfortable retirement.

Real estate investing through “house hacking” offers a low-entry barrier for wealth building. Denver couple Jeff White and Suleyka Bolaños retired before 40 by living in one unit and renting out others, eliminating their mortgage and increasing cash flow annually.

Creating leveraged income streams is crucial for wealth building, according to financial educator Rose Han. By providing value through one-to-many or one-to-infinity leverage, individuals can generate significant wealth without trading hours for dollars, setting the stage for financial success.

Read more at Yahoo Finance: 5 financially independent investors share their top wealth-building advice as we head into 2026