Financial planning 2026 | Charly Munger , if I start 2026 With 0 | Here is My Exact Financial Plan

KEY PRINCIPLES FROM CHARLIE MUNGER:

"When you have nothing, you have nothing to protect. That's freedom."

"The first $100,000 is hard. But it's essential. After that, money compounds faster."

"You can't invest your way out of poverty. First, increase your income. Then invest."

"Most people starting with zero will end with zero because they don't have a plan."

"Wealth isn't built in moments. It's built in years. This is year one."

📚 RELATED VIDEOS YOU SHOULD WATCH:
→ Charlie Munger: Don't Buy a Car on Your Salary
→ The First $100K Is Your Breaking Point (Here's Why)
→ I'm 99: Here's What I Wish I Knew About Money at 30
WHY THIS PLAN WORKS:

This isn't theoretical advice. These are the same principles Charlie Munger used when he was broke in 1962 after his divorce. He was 38 years old, negative net worth, drowning in debt, and dealing with his son's terminal illness.

He rebuilt from there using the exact approach outlined in this video:
Stopped lifestyle bleeding
Maximized income through multiple streams
Built emergency cushion before investing
Invested in skills that increased earning power
Created passive income streams
Stayed disciplined through setbacks
Planned for long-term compound growth

It worked for him. It's worked for thousands of self-made millionaires. And it will work for you if you commit to executing it for 12 months.
SOURCES & RESEARCH:
Charlie Munger speeches and interviews (1960-2023)
Poor Charlie's Almanack by Charles T. Munger
Berkshire Hathaway annual shareholder meetings
Daily Journal Corporation annual meetings
Historical financial data and case studies
Personal finance research (compound interest, emergency funds, income strategies)

🎓 WHO THIS VIDEO IS FOR:

✅ Starting 2026 with little to no savings
✅ Tired of living paycheck to paycheck
✅ Ready to commit to a 12-month plan
✅ Want proven principles, not get-rich-quick schemes
✅ Willing to sacrifice short-term comfort for long-term freedom
✅ Looking for structured, step-by-step guidance

❌ This video is NOT for:
❌ People looking for overnight wealth
❌ Those unwilling to work hard for 12 months