--- title: 'The Best Financial Strategy for YOUR Income (2026)' source: 'https://youtube.com/watch?v=t-BlsBLIJtc' video_id: 't-BlsBLIJtc' date: 2026-07-31 duration_sec: 729 --- # The Best Financial Strategy for YOUR Income (2026) > Source: [The Best Financial Strategy for YOUR Income (2026)](https://youtube.com/watch?v=t-BlsBLIJtc) ## Summary This video presents three personal finance strategies tailored to Russian income levels: roughly 40,000, 100,000, and 200,000 rubles per month. Using the examples of Sasha, Katya, and Alexey, it covers expense control, building a safety cushion, investing, and avoiding common pitfalls. The content is practical but padded with promotional references to a paid finance course. ### Key Points - **Three strategies for three income levels** [00:02] — The video promises financial strategies for incomes of 40,000, 100,000, and 200,000 rubles, claiming the system changed the rules without telling viewers. - **Sasha's low-income example** [00:47] — Sasha, 29, works as a chain-store salesperson, earns 42,500 rubles take-home, and ends each month with barely 64 rubles left. - **Main mistake of low-income earners** [01:18] — Trying to live like a Moscow resident via subscriptions, delivery, taxi, and spontaneous purchases creates the illusion that life will improve. - **Rule 1: Strict expense control** [01:49] — Track every expense in an app or online banking; it's a matter of discipline, not education. - **Rule 2: Cluster purchases** [02:34] — Shop at a hypermarket weekly, buy household chemicals in small wholesale, and buy fewer new items by repairing and reusing old ones. - **Rule 3: Cashback, bonuses, promotions** [03:15] — Cashback and promotions can save about 10% of total expenses, which is significant at a 40k income and helps build a small safety net. - **Move to secondary consumption economy** [03:44] — Repair quality items, sell unused things on Avito, and cut genuinely necessary purchases in half. - **What not to do at 40k income** [04:30] — Never take consumption loans, try to invest, chase easy-money schemes, or buy pseudo-status items. Main task: stay afloat and create a safety cushion. - **Katya's middle-income example** [04:58] — Katya, 34, a remote sales manager in Samara earning ~100k, had a zero balance and 10-20k credit card debt due to endless consumption. - **Katya's first step: safety cushion** [05:45] — After taking a course, she saves 20-30% of income immediately after salary to build an untouchable fund covering six months of life (~600k rubles). - **Investing after the cushion** [06:27] — Only after the safety fund does she invest in boring instruments: bonds, stocks, and money-market funds, with regular purchases and quarterly rebalancing. - **Credit card grace-period hack** [07:12] — Use the credit card for spending during the grace period, keep your own money in a savings account earning interest, then pay off the card and pocket the interest. - **Alexey's high-income example** [08:30] — Alexey, 38, an IT specialist in Moscow earning ~250k, with a wife and daughter, invests 20% of any income every month and owns a pickup point. - **Diversified portfolio for high income** [09:28] — Alexey avoids quick easy money, invests in proven and slightly riskier assets across markets: stocks, bonds, and money-market funds. - **Pitfalls of high income** [10:39] — Many high earners live poorly by inflating their lifestyle, buying status items, and spending as if there's no tomorrow. - **Money equals freedom at high income** [10:54] — At 200k+, money should work for freedom of choice — buying a future for yourself and your children — because high income is temporary. ### Conclusion The overarching message is to match your financial behavior to your income level: survive and build a cushion at low income, consolidate and start investing at middle income, and protect capital while prioritizing freedom of choice at high income. ## Transcript money in your pocket, this video is for you. Of course, it's this video is for you. Of course, it's not about the ruble exchange rate bosses or your Lena. The system simply changed the rules of the game, but the trick is that you weren't told about it through the propaganda mouthpieces. Today we will look at three financial strategies for different income levels. For income of 40,000, 100,000 and 200,000. Everyone will recognize themselves in these 100,000 and 200,000. Everyone will recognize themselves in these strategies, and I guarantee that if you integrate these systems into your life, it will change dramatically. You are on Artem Zvezdin's channel. Let's figure it out. Let's start with the first level of income using Sasha as an example. Sasha is 29 years old. He lives and works in the region as a salesperson in a chain works in the region as a salesperson in a chain store. His income is modest, 42,500 rubles, which he receives in hand. He tries not to take out a loan, but he's still tight on money. By the end of the month, Sasha's balance was 64 rubles. 32 kopecks And so it goes, every month after month. Of course, there can be no talk of investments and increasing your capital here. Whatever you multiply by zero, you always get zero. And no matter how much you work on improving your money mindset, nothing will change. What financial strategy would be reasonable in these circumstances? This is a banal survival strategy. Sasha's main mistake, which he makes and which almost everyone at this level makes. Trying to live like a Muscovite who found himself in a movie about The Hunger Games. Subscriptions, delivery, taxi, spontaneous purchases. And the illusion that the ass in which Sasha and Parits are located is just around the corner. Bad news for Sasha. The ass wo n't go away. Even if the system changes. But what can Sasha do to change everything? and start living normally not in retirement, but right now, this year. The first rule of survival strategy is strict control of expenses. Not an approximate figure somewhere in my head, or something I read somewhere, but straight out good accounting. How much did you spend on food, how much on household items, how much on nonsense, and so on down the list. Nowadays there are many applications and programs that allow you to do such accounting. In addition, any online banking also shows all expenses. And, of course, it is not difficult, and you don’t need to have a higher education to do it. It's just a question of disciplines. The second rule for Sasha's survival strategy is to divide purchases into clusters. Sasha has learned his lesson and is following his financial strategy strictly. Now Sasha makes purchases using a smart savings model. It's not like before, when people order everything online and have it delivered to their home. Sasha goes to the hypermarket for groceries once a week. He buys household chemicals at the depot and buys them in small wholesale quantities. It still stands there for years. Sasha doesn't really need new things. He looked through his closet and found old things. In general, Sasha pulled himself together and buys wisely. The third point of the survival strategy is to use various cashbacks, bonuses, and promotions. Sasha was simply stunned when he realized that on such trifles he saves 10% of all expenses, and when the income is only 40,000 rubles. This is quite a significant amount of money. Now Sasha even manages to save a little and create a small safety net. Now, when he has a toothache, for example, he will no longer call his mother and lend her money, and he will not eat pasta at my price from a cheap store for the next 17 days until his paycheck comes. And gradually Sasha moves from a survival strategy to a strategy of secondary consumption economy. Sasha realized that it was necessary to repair good things, and not buy new cheap ones. Sell ​​old, unnecessary things that you don't use, rather than throwing them in the trash or storing them until they become obsolete. And as it turns out, he's made half as many truly necessary purchases , and the money he earns from selling his old junk on Avito helps him spend less on buying new, good things. In general, Sasha is smart. The mind understood how to act and improved its life. Let's consolidate where to start with Sasha's income of 40,000 rubles. and what you should never do. Under no circumstances should you take out loans for consumption with a small income, try to invest, get involved in money-making schemes without effort, or buy pseudo-status items. At this level, your main task is to stay afloat and not make things worse for yourself. And most importantly, to create a safety cushion. We will need it later. Let's move on. Let's look at an example of income of on. Let's look at an example of income of 100,000 rubles. This is a consolidation strategy. 100,000 rubles. This is a consolidation strategy. Our character Ekaterina Katya, 34 years old. She works as a sales manager at Finzvezda, an online investment school accessible via this QR code, and earns approximately 100,000 rubles. salary plus small quarterly bonuses. She works remotely and lives in Samara. Katya's apartment, thank God, is from her parents. There is no mortgage, and no children. But by the end of the month, her balance is consistently zero and another 10-20,000 on her credit card. Packages from Valberis and the Golden Apple, lunches in cafes, taxi rides, endless consumption. Katya was, of course, fed up with this state of affairs. And she decided to normalize her life and improve her financial situation. The first thing she started with was studying the course "How not to be left without pants." Therefore, the QR code is available. And Katya’s first step was to build a safety cushion. She starts to deduct 20-30% of her income immediately after her salary; she wants to save up an amount that would save up an amount that would cover her salary for 6 months of her life. That is approximately 600,000 rubles. Not for business, not for the Maldives, but for an business, not for the Maldives, but for an untouchable personal fund. This is an old proven approach that will keep her completely safe. in case her life starts to fall apart, for example, if she wants to move, change her family living conditions, change her profession, or if her man leaves her. And so Katya creates such a fund. And only after that, after the safety cushion, does she move on to investments. Cryptocurrency, where 100% annual returns are a topic, of course, does not interest her. Katya is a mature and thoughtful person, so she packs a simple, boring, but functional backpack. These are bonds, these are stocks, these are bonds, these are stocks, these are money market funds and regular purchases. Naturally, with rebalancing once a quarter. At the same time, Katya continues to save 10-20% of her income every month. And a little life hack for this level. Katya has become a little smarter and now uses her credit card wisely. What is she doing? She takes her credit card and opens a savings account. She spends the entire grace period on her credit card on that same credit card, while her own money sits there with interest. At the end of the month, she simply pays off the credit card debt during the applicable period and does not pay interest, but she pockets the warehouse interest, and this gives her additional money. I think the thirteenth is salary. In addition, having learned tax maneuvers and life hacks from the course she took, she began to receive tax deductions for tuition, medications, and much more. Overall, Katya is great. She secured and created a foundation for herself. Take her as an example if your income is approximately one hundred. But remember, you can't expand consumption as your income grows, buy expensive liabilities, and think that stability will last forever. Avoid this if things get going . You will see everything for yourself later. Everything is very temporary. Always keep in mind that it will all end soon. And finally, the third level is people with an income of more than 200,000 rubles. Let's look at this income level using Alexey as an example. Alexey works in an IT company. He lives in Moscow, he is an adult, he is 38 years old, married, has a daughter whom he loves very much. He and his wife also opened their own small pick-up point in Valberis. In general, he earns well, a stable 250,000 rubles, and sometimes he even succeeds. Your own car, albeit a sparkling one, and vacations with your family twice a year. It seems like everything worked out for him. However, it is here that most people make the most mistakes. Alexey, like many people in his position, thinks that this will always be the case. But the markets of recent years have made it clear that this will not happen. Markets change, projects end, clients in entire niches die out, and revenues fall sharply. But our guy is not a fool, and he, of course, knows about this. That's why he of course, knows about this. That's why he took care of everything long ago. He invests 20% of any income every month. Like Katya, Alexey doesn’t believe in quick, easy money. and X's. He invests in old proven instruments and slightly old proven instruments and slightly riskier assets. And, of course, not to one source. A colleague from the finance department advised him to diversify markets and instruments, told him about investment tools, and also put together a small, solid portfolio for him that is generating income comfortably. So, Alexey bought stocks, bonds, and money market funds, thanks to which he has had a strong capital for several years now. And in a few more years he will be able to save up and buy his daughter an apartment. And, of course, the most important thing is that Lyokha gets special respect for this. He constantly invests in his development. From every iron they shout: "IT specialists will go to the factory." And, naturally, he hears this and, of course, is aware of what is going on . And he is categorically not happy with going to the factory. That's why he constantly improves himself, improves his skills and invests money in his education. He learns specific skills that will make him money. To be honest, I personally know a lot of people who have similar incomes, but live very poorly. You ask me: "How can you live badly if you earn 300,000 rubles a month?" And here's how the first one is. Poor people, no matter what their income, greatly inflate their standard of living. Secondly, they always buy things for status that they do not have. Third, they spend money as if tomorrow never comes. If your income is 200,000 rubles, remember that at this level, money does not work to increase your standard of living, but for freedom of choice. You can buy everything. You can buy yourself and your children a whole future, or you can just buy new clothes. The choice is, of course, yours. It is important to remember that your high income is a temporary pleasure that is here today and gone tomorrow. And you should always prepare for bad times. Money today is, you know, cold calculation and strategic thinking. It's very easy to give in to temptation because it always seems like it will always be like this. Believe me, it won't always be like this. Your good time will pass like some kind of fireworks display, you know, in some small town that no one will ever notice, that once was, lasted for 1 minute and ended. And in this minute you must take the maximum that your life as a whole can give you and preserve your capital for many years to come. Subscribe, there's still a lot of Subscribe, there's still a lot of interesting things ahead. earn money.