Charlie Munger: If I Started 2026 With $0, Here's My Exact Plan

Charlie Munger lays out a brutal, practical 12-month blueprint to go from zero — broke and in debt — to real financial footing, month by month. Watch and act. In this video the 99‑year‑old investor shares the exact sequence he used when he once started a year with a negative net worth. You’ll get a step-by-step personal finance plan: January — stop the bleeding and slash unnecessary expenses; Feb–Mar — obsessively increase income and save $5,000; Apr–Jun — build a $15,000 emergency wall; Jul–Aug — invest $5,000 in yourself to raise your hourly value; then add new income streams and scale. These are proven tactics for getting out of debt, building an emergency fund, boosting earnings, and creating sustainable wealth — applicable whether you’re 25 or 55. This is not theory or motivational fluff — it’s a pragmatic roadmap based on decades of real investing and hard lessons. If you start 2026 broke or behind, follow these actions for one year and you’ll change your trajectory: stop wasting money, stack income, protect cash, and invest in skills that multiply your earnings. Keywords: Charlie Munger, start from zero, how to get out of debt, emergency fund, save money, increase income, wealth building, step-by-step plan. Liked this breakdown? Subscribe for more actionable personal finance strategies and watch the rest of the playlist to keep building momentum. 🚀 ТЕГИ: Charlie Munger, starting from zero, how to get rich, financial reset 2026, rock bottom to wealth, stop the bleeding, increase income, emergency fund, personal finance plan, frugal living, side hustle, freelance income, skills investment, compound interest, wealth building, budgeting tips, debt payoff, earnings growth, step-by-step plan, money mindset, millionaire habits, invest in yourself, cash reserve, zero to millionaire, financial independence, yearly roadmap, beginner money guide, work ethic, financial discipline, plan