Charlie Chang

How To Climb The Investing Ladder (8 Tiers)

➡️ Open a SoFi high yield savings account here: https://bit.ly/sofi-hysa-offer ^Up to $400 bonus + one of the highest APYs right now. SoFi will be at the top of the page! ➡️ Top HYSAs for 2026 (Barclays, Synchrony, CIT & more): https://bit.ly/top-hysa-2026 💰 Get a bonus with WeBull Investing here: https://bit.ly/webull-bonus ^Easy way to buy stocks and ETFs   Most people either leave their money sitting in a regular savings account earning basically nothing… or they jump straight into super risky investments trying to get rich fast and get absolutely wrecked. The reality is there’s actually an entire investing ladder in between that most people completely skip over.   ► Get access to my FREE side hustle courses: https://www.sidehustlemastery.com   My favorite finance + business products: 💳 My favorite credit cards: https://yourbestcreditcards.com/card-finder/?ccid=2004 🏦 Favorite online savings accounts: https://bit.ly/top-hysa-2026 Get a bonus with WeBull Investing: https://bit.ly/webull-bonus 🖥️ Best AI website builder (Less than $3/month using code CHARLIECHANG): https://hostinger.com/charliechang 🥇 Hire the top 1% of overseas talent: https://paired.so/charlie   ► Join my FREE newsletter: https://buildabetterbusiness.co/subscribe In this video, I break down all 8 levels of the investing ladder. We go from super safe investments like high yield savings accounts, treasury bills, and CDs, all the way up to index funds, individual stocks, real estate, crypto, alternative investments, and venture capital investing. I also share what I personally invest in and some of the biggest investing mistakes I’ve made over the years. A lot of people think investing is just about finding the highest return possible, but honestly, a huge part of it is just knowing what level makes sense for you right now and not taking unnecessary risks too early. If you’re trying to figure out where you should actually be putting your money right now based on your own goals and risk tolerance, this video is going to help you build a much clearer roadmap.   If you want to see more videos like this, check out my other videos:   Top 5 High Yield Savings Accounts To Open Right Now! (2026) https://youtu.be/6IYn_-5673A My Net Worth at Age 33 (Stocks, Crypto, Cars, Assets) https://youtu.be/3qRQno6xmG0 I hope you guys found this video helpful, and if you did, please SHARE it with a friend or family member who you think could benefit and also LIKE and subscribe for more videos like this in the future!   Thank you for watching, and I hope you have a wonderful rest of your day!   – Charlie   #investing #personalfinance #passiveincome   Timeline: 0:00 - Introduction 0:50 - High Yield Savings Accounts Explained 2:29 - Treasury Bills and Municipal Bond ETFs 3:52 - Certificates of Deposit (CDs) Overview 4:48 - Index Funds and S&P 500 Benefits 7:21 - Investing in Individual Stocks Risks 9:10 - Real Estate Investing and Leverage 11:10 - Alternative Investments and Crypto 13:42 - Venture Capital and Angel Investing Risks 16:20 - Building Your Investing Ladder Step-by-Step 17:08 - Conclusion    Disclaimer: Some of the links above may be affiliate links, which means that if you click on them, I may receive a small commission. The retailers and financial services companies pay the commission at no cost to you, and this helps to support our channel and keep our videos free. Thank you!   In addition, I am not a financial advisor. Charlie Chang does not provide tax, legal or accounting advice. The ideas presented in this video are for entertainment purposes only. Please do your own due diligence before making any financial decisions.   ► My Instagram: https://www.instagram.com/charlie__chang/