If You Only Have 100,000 Rubles, Do This in 2026

[00:02] 100,000 rubles on hand. and you don't understand what to do with them, you only have two to do with them, you only have two options. The first is to become poor, and the second is to take the advice from this video and radically change your life. In this

[00:18] video, I'll tell you exactly how smart people make money during a crisis when they don't have make money during a crisis when they don't have start-up capital, connections, or a backup plan. without loans, money thinking, or any other topics. Clear step-by-step

[00:32] thinking, or any other topics. Clear step-by-step instructions. Numbers, facts, living examples. Do you want it to be like the nineties? Remember, we are constantly frightened by this phrase. Everyone loves to remember how shitty the nineties were. Well,

[00:46] let's be honest, we are now living almost in the nineties. If you think I'm exaggerating now, you were simply too young to live through those times. The story today is, well, practically identical, and this gives us a

[01:00] very important point. At least we have salaries now. There were delays in the nineties least we have salaries now. There were delays in the nineties . I don't want to exaggerate, but some segments of the population are already experiencing delays. And something tells me that

[01:13] we still have a little time to make a fortune for ourselves. I was talking to an old friend of mine recently. We have n't spoken to each other for 20 years. And when I came to his house, his whole yard, he lived in a private house, was in the pipes. Well,

[01:28] these, you know, ordinary water pipes. This never raised any questions, but recently I remembered and asked: “Listen, why did you always have so many corpses ? Gazebos made of corpses, foundations, all that stuff.” And he

[01:42] tells how he recently talked with his father. He was also interested in this question. And my father said that he worked as a plumber. He was once paid plumber. He was once paid his salary in pipes, then again in pipes

[01:54] and again in pipes, but we must give him credit. Some whined, others drank, and others whined and drank. And his father ate only potatoes for several months and pipes,

[02:06] so to speak, yes. I began to understand that I could n’t earn money the old way anymore and that I needed to do something. His father is quite handy, and he retrained as a clothing repairman. That is, the usual repair of shoes, bags, and

[02:23] things. And do you know how it all ended? For the terrible and hungry nineties, when there was crime and generally God knows what else. He had enough money, firstly, to start construction, albeit with his own hands, and to buy his

[02:37] first car. Yes, of course, not the six-hundredth Mercedes. Nevertheless, he six-hundredth Mercedes. Nevertheless, he bought himself a car and built a house. It was hard to do it with his own hands, but he made money by repairing ordinary used things,

[02:50] and he worked for himself. Without having bosses, without having any kind of protection, without having a gang, he earned money in the terrible nineties. Why am I telling you all this? Because during a crisis, many people simply can’t afford to buy new things. It

[03:06] has become profitable to repair the old. And millions of people are taking up these paths during a crisis. Moreover, this phenomenon even has a whole term: the secondary consumption economy. And we're

[03:18] not talking about environmental activists now, as you understand. And here we come to understand. And here we come to your 100,000 rubles. The good thing about a crisis is that it opens up opportunities to start with a small budget. People are getting poorer, but they also

[03:33] continue to live and consume. If yesterday you would have lost your 100,000 today you can easily open a microbusiness in the following areas. The first direction is the repair of household appliances, repair of phones, laptops,

[03:49] shoe replacement, repair of expensive clothes. It is clear that it is unlikely that anyone will carry a T-shirt for 200 rubles. repair in a workshop. But this shirt I'm wearing, for example, is S supply, and it costs about 50,000 rubles. And if it breaks, I'll

[04:05] take it to the studio. Right now, the going too far, let's do some calculations and look at some examples.

[04:17] Let's take shoes. New good shoes not from Valberis cost approximately 5-15,000 rubles. Moreover, this is such a basic, what is called, minimum. It is clear that if

[04:29] these are shoes from Brunel, Cacinell or Pantonetti, it will cost Pantonetti, it will cost no less than 40 thousand. Shoe repair costs approximately 1-2,000 rubles. We have at least three potential clients in each family. You, your

[04:44] wife, and, most likely, your child. People cannot buy new good things, but they want the old ones to live longer. And this market is now starting to grow. And one more example. Let's look at real-world experience that is relevant to the Russian market

[05:00] right now. This is an on-site repair of household appliances. By the way, I have an investment school, and just a couple of months ago I called my dad to clean the air conditioner. And it was my student who arrived. I even felt a little

[05:15] awkward in front of him, because my father still lives somewhere in Soviet times. His whole obsession with hoarding, well, luckily, he got an understanding student. So if you're watching me, hello to you. The

[05:27] best option is on-site repair of household appliances. Your entire journey from start to finish can be broken down into steps. So, step one is training. The average price on the market for a course on household appliance repair is 7,500 rubles. and more expensive.

[05:44] There are, of course, cheaper options, but aim for 7,500 rubles. This is the average price. Typically, such courses cover an applied basis. Repair of refrigerators, washing machines, dishwashers, microwaves. Typical breakdowns and repair schemes are always

[06:01] identical. In 99% of cases, you will meet them. In total, you spent 7,500 rubles on training. You have 92,500

[06:13] rubles left. The second thing you need is, of course, a tool. A decent set from a good specialist can be found on Ozon or Yandex Market for 20,000 rubles. Of course, we are not taking into account specialized repairs. where

[06:28] equipment can cost $2,000, $3,000. This is only necessary in exceptional cases. Often, ordinary problems, like a washing machine knocking or an oven not working, are solved, well, with banal satirical comments. 20,000 rubles

[06:43] We spent on the tool, we have 72,500 rubles left. Step number three. Of course, this is advertising. You can't spoil porridge with butter, and any business can't be ruined by advertising. According to a Boston study,

[06:58] According to a Boston study, you are still a no-name, no one knows you yet . But starting from the third to fifth month, the so-called word of mouth begins to work . Just recommendations

[07:14] or reviews. If I need to fix, for example, a car, I will ask my friend: "Has anyone ever fixed your car?" According to the same Boston study, referrals account for approximately 40% of all calls to private repair

[07:28] shops. But to get started, all you need is Avito, Yandex Services, local chats on WhatsApp or Telegram, if it's not blocked at the moment, of course . Well, or in maxi. All this will cost you approximately 5-10,000

[07:44] will cost you approximately 5-10,000 rubles. In total, you have 62,500 rubles left. We're counting the minimum here. It is clear that you can take more. Now let's calculate whether the game is worth the candle. One visit costs approximately 3,000-6,000

[07:58] rubles. Let you have two or three clients a day . This is 6-18,000 rubles. dirty per day . This is 6-18,000 rubles. dirty per day . Even if you work 15 days, that's approximately 90,000-270,000 in revenue. The downside, of course, is consumables,

[08:13] gasoline, and advertising (20-30%). In total, 65,000-190,000 rubles will remain net In total, 65,000-190,000 rubles will remain net . This is much higher than the average salary in most regions. And don't forget, we still have 60,000

[08:30] rubles left. That is, such an enterprise was organized with only 40,000 rubles. At the same time, it is accessible to everyone. And this is not a theory, this is a real case from my practice. Look at this photo. It's me. Yes, back then at school I was, well, to put it mildly

[08:46] , fat. I was bullied for this. So, next to me stands my classmate, his name is Lesha. This is an ordinary guy, he is completely without any show-offs, he is not a ordinary guy, he is completely without any show-offs, he is not a trader, not an IT specialist, not

[08:59] some kind of businessman from Patrick's. Lyokha repairs refrigerators. It's all that simple. Just fixes refrigerators. Moreover, he started out as stupidly as possible. I worked in a warehouse, earned pennies, and was always without money. He constantly complained that life was

[09:13] unfair, there was no work, and the government was to blame for everything. Well, in general, it's a classic. Then one day the refrigerator at his house broke down . The mechanic arrived, tinkered around for about . The mechanic arrived, tinkered around for about 40 minutes, took 6,000 and left. By the way

[09:26] , the refrigerator never broke down again. He fixed it really well. And then Lyokha says to me: “Listen, what did he do?” And I tell him: “Well, actually, nothing special, I just did my job.”

[09:39] And at that moment, something apparently clicked in Lyokha’s head. He understood a simple thing. People don't give a damn how much spare money they have when meat is leaking out of the refrigerator right onto them. He went, learned how to repair

[09:53] a refrigerator, bought some basic tools, and posted an ad. The first month, of course, was so-so. The second one, of course, is also about plus or minus the same. And then things started to move. Winter is stable there, well, not very good, but summer is a

[10:06] real treat, because in summer the refrigerators start to die in droves. I myself live in Sochi, that’s clear. heat, overload and all this old stuff always breaks. One visit costs approximately 5,000 rubles. Two or three clients a day

[10:19] , sometimes more. And you know what's funniest? Lyokha still says: "I'm just a repairman." And I look at him and think: "The guy has a stable income. He doesn't have loans, doesn't have a boss, doesn't have this constant rush. He goes to

[10:34] work whether he wants to or not. The guy just fixes things that people need." That's the whole story. And here is the key idea. Those who solve the problem here and now win. The refrigerator can't wait, the air conditioner can't

[10:50] The refrigerator can't wait, the air conditioner can't wait, especially if the temperature is 40°. The washing machine can't wait, the shoes can't wait, which means money will always be with the one who knows how to solve such problems. Remember once and for all, if you,

[11:04] for example, are younger than me and you still haven’t understood, money is not paid for lust, money is paid for solving the problem of a living person. A living person has some problem, and he will pay for it . You won't be paid money

[11:20] just for your time, or you will be paid very little. I understand that you can talk a lot, in fact, a lot, but you all had different situations. Rosstat likes to talk about, you know, some average salary of 100,000 rubles. But

[11:35] why is this very hundred sitting in Moscow and St. Petersburg? Rostat does not say. And yet Muscovites are always whining. How poor and unhappy they are. Their internet unhappy they are. Their internet was turned off for a couple of days. Oh my God, grandma is already carrying it and

[11:49] wiping their ass with cotton wool. In fact, the picture in the regions is completely different. In reality, for most people, by 2026, their net income is closer to 40,000. And then some very interesting calculations begin. If you are in a

[12:04] region with 40,000 rubles. income, your basic expenses look something like food 20,000 rubles, because everything has become more expensive, and that's a fact. Plus, food in the regions is more expensive than in the capital.

[12:18] What a surprise. Your utilities will cost at least 6,000 rubles. This is year-round electricity. gas, water, garbage, you can't save here. Plus the medicine, plus or minus 3,000 rubles. Because everyone has some kind of chronic

[12:32] illness, and everyone has chronic expenses that haven’t disappeared with the crisis. Communication, Internet - minimum 2,000 rubles. There's no way around it. Plus travel and gas costs about five, because in the regions cars are used more often than the

[12:46] metro. Well, there are also some small expenses, like hygiene costs 3,000 rubles. Buy some panties for yourself. Here. We believe that this is a minimum of about thirty and about 10,000 rubles remain on hand . per month. And you don't buy new shoes, you know? I won't even

[13:00] mention any pontonetti. I'd like to buy some regular shoes. You don't pay for subscriptions, you don't go to cafes, you don't go on dates and you don't meet some woman with those lips and that straight hair that's the basic minimum. And these are the

[13:15] harsh realities. And in such a situation, say: “Like, invest, invest, brothers, in the stock market and someday you’ll make money there.” Well, this is just ridiculous. It's just ridiculous, because for someone who only has 5,000

[13:30] rubles to invest, and even that was taken out on a credit card during the grace period, is simply a mockery. Investments work when you have a surplus, not when you're balancing, you know, at some subsistence minimum. And every month he considers: “Will

[13:42] you have enough bread until payday or not? Will your bread rip, like in that joke from the terry noughties: “Just when you wanted to become a millionaire, either your underwear would rip, or your car would break down.” In short, you first need to stop

[13:57] being vulnerable, so that one broken tooth, a refrigerator, or a fine, God forbid, doesn’t knock you off your stride and knock you out of life. Then learn to earn money here and now, and only then will you have a stable

[14:11] income. Plus at least a small demand for durability. That same utterly ridiculous financial cushion that I talk about in video after video. Without a financial cushion, things will be really bad. It should cover your expenses for at least 5

[14:27] months. Okay, God bless him for 5 months. At least two. At least two. I’m not even talking about more. I’m 37 years old, believe me. I’ve heard so many stories, all the trouble always starts when something happens suddenly. Got sick A toothache,

[14:41] a child's illness, a heart attack, money for doctors, and so on. And all this is because people don't have a basic financial cushion. And then it snowballs. Because of problems, you're forced to take out

[14:54] unprofitable loans. Then you can't cover them. Then you cover them with other loans, loans on top of loans, and off we go. We've been talking about something sad. Let's take a simple test now that will show whether you can

[15:07] open your own microbusiness and start a normal life. First question: are you ready to take responsibility for the result? Yes or no? Second question: are

[15:20] you ready to work with your hands in general? Yes or no? Third: do I even know how to work with my hands, and what can I do? Can I learn this from

[15:32] someone? Fourth question: can I make money doing what people cut corners on? Fifth question: can I even handle being a foreman, or an operator, or an accountant, or a tech support worker, for the first time? Is it for me? In general? And

[15:48] now the bottom line. If you answered yes to at least three questions, you have every chance of opening a microbusiness and improving your situation. Guys, honestly, you don't need, you know, some big business. We all usually want, "I'll have a

[16:04] big business any minute now," and so on. Aim for a microbusiness, aim for a small enterprise. It's more feasible. You'll understand what's going on there. Then you can think about how to expand or, perhaps, move into another niche. In short,

[16:17] it turns out that my video turned out to be not about the money button. So what? Well, in general, the choice is yours. You can continue to sit and complain, wait for better times. Remember my favorite Arab parable. While we were waiting for the

[16:32] bad times to pass, life passed. Or you can take your 100,000 rubles, get yourself together and start earning right now. And start fixing, helping, making something that people really need.

[16:45] Do it every day. Look for clients, build your Reputation. Even if you have little experience, believe me, it's not scary. They always start with GPT chat. I've even seen a situation where a dentist consults with neural networks, and you're talking

[16:59] about a refrigerator. That's not trading. Desire trumps competence here. Little by little, every month, as planned, little by little, in a month, in six months, in a year, you'll have

[17:11] your own microbusiness and a stable income. Of course, this isn't passive income, but no one will give you another chance if you don't take control of your life. Nothing good will come of it. So, of course, it's

[17:25] come of it. So, of course, it's up to you to decide. Subscribe and earn.