15 Wealth Rules of the Rich.

Natalie Pace, H.M. Queen Diambi, Terri Quenzer and Gayle Gladstone at Watergate Bay Inn, Newquay, Cornwall, England. (left to right). March 2025.

15 Wealth Rules of the Rich.
 
Worried? Hopeful? Skeptical? Complacent? Confident? Don’t boast, guess or worry about your future and financial plan. Instead, employ the time-proven tricks of the rich. There are solutions to housing, budgeting, debt and investing challenges. Having blind faith that somebody else is protecting our wealth and future or trusting that our “pre-tax” retirement or insurance plan are the keys to the kingdom, have proven to be a fool’s journey time and again. History is filled with examples of frauds—from Ponzi schemes to corporate collapses—that thrived on the unquestioning trust of investors, demonstrating that outsourcing financial management without oversight is a high-risk endeavor. We must be the boss of our money – the CEO – understanding that all our “financial advisors” (most are salesmen) work for us.
 
Wealth by design with a solid foundation of wisdom will become a launchpad for the life of our dreams. This isn’t difficult. It’s the life math that we all should have received in high school. Once we learn and employ it, our relationship with money, prosperity and abundance transforms immediately and forever.
 
Here’s a List of 15 Wealth Rules of the Rich.
 
1. Free Money in the 401(k)
2. Health Savings Accounts
3. Max Out Our Contributions to the Roth IRA
4. Save Thousands Annually with the Thrive Budget
5. Avoid Capital Gains Taxes
6. Dependent IRA and College Savings Plans
7. 1-3 Times a Year Rebalancing
8. Earn $10,000+ Annually and Safely on Cash
9. An Age-Appropriate, Properly Diversified Wealth Plan
10. Affordable Housing Solutions
11. Legacy Planning the Right Way
12. Preparing for Retirement
13. No Fancy Schemes, FUD or HODL
14. Embrace the Wisdom of Past Mistakes
15. The Rule of 72
 
A lot goes into building a financial house, just as a great deal of time, wisdom, personalization, best practices, creativity, and love go into building the home we build and live in. However, when all that magic comes together, we then have a solid structure that protects us from economic storms and becomes a sanctuary for our dreams. So, construct your financial house right using 21st Century, time-proven strategies and the legal strategies that are employed by those who amass and retain wealth over the centuries. Once we move into this well-designed plan, we’ll just need to Spring Clean 1-3 times a year.
 
Here is more information on each point.
 
1. Free Money in the 401(k)
You might have heard about paying yourself first, and you’ve likely been encouraged to put pre-tax dollars into your employer-sponsored retirement plan. If the employer is matching, then you’re also getting bonus money. So, it’s a great idea to contribute up to the employer match. However, the downside of 401(k)s and RSPs are that they have limited choices, the money is taxed when you start withdrawing and you might be paying through the nose for health insurance. In other words, while 10% of our income should be contributed to our future (pay yourself 1st!), not all of it should go in the employer-sponsored plan.
 
2. Health Savings Accounts
Health insurance is one of the biggest costs in our budget, with many Americans spending thousands or even tens of thousands annually on premiums. Health Savings Accounts offer many benefits, including savings of thousands annually on the cost of health insurance, an annual tax deduction, tax-free capital gains, tax-free withdrawals for qualified medical expenses, and the ability to have the best long-term healthcare plan for our retirement. Learn more in my HSA blog, and in The ABCs of Money, 6th edition. What will you do with the thousands you save every year?

3. Max Out Our Contributions to the Roth IRA
It’s important to max out your contribution to your Roth IRA every year, starting as soon as you can (with your 1st job, even as a teen). Here is where you want to invest in hot industries to add performance to your wealth plan.
 
The hot slices in our sample pie charts (which we update at each Financial Freedom Retreat) are far outperforming the S&P500. In 2025, the silver fund tripled, the Peru fund doubled, clean energy posted gains of 55% and the Magnificent 7 were responsible for most of the gains on Wall Street (but performed far under the other three hots mentioned). Peter Thiel reportedly has $5 billion in his Roth IRA. He didn’t pay any capital gains on the stock in the startups that he invested in the Roth, including Paypal and Facebook, and he will not have to pay income tax when he withdraws (unless the laws change).

4. Save Thousands Annually with the Thrive Budget
Housing is unaffordable. We’ve heard about the K-Shaped (or E-Shaped) economy. Cutting out café lattes and avocado toast won’t do the trick, though we can save thousands if we get a handle on our GrubHub and Starbucks addictions. We must get creative about the big-ticket items and stop making billionaires rich at our own expense. If your rent or mortgage is $1,500/month, that’s $18,000/year. If your medical insurance is $500/month, that’s another $6,000. Most people spend $12,000 or more on their single-occupancy vehicle. Utilities (electricity, water, gas, Internet, sewer and trash) can be another $6,000 or more. That’s a total of more than $42,000 – not including food. Here is where the magic lies. What if we could cut that in half with more informed big-ticket choices, and have over $20,000 in our budget to spend on things we like more than the gasoline station?
 
The goal of every corporation in America is to sell us something that we have to use every single day. Or at least weekly. Gasoline. Toilet paper. More storage on our phones. Life insurance. Subscriptions are leeches that are attached to our budget. Some suck away our money slowly and steadily, while others are big drains. It’s time to stop making billionaires rich at our own expense. The more money that we can keep from flying out the window, the more wealth we will have for a richer life with our family.
 
This is important at every stage of our life, including:
 

• The college experience, so that we don’t come out with crushing student loan debt,
• Adulting, so we can stop making the landlord rich,
• As parents, so that we can navigate the balance between our bills, the wealth we will inherit from our parents, and the legacy that we hope to give to our children, and
• Especially as we enter a lower income, higher medical expense phase of life during retirement.

 
There are Debt, Real Estate, and Thrive Budget sections in The ABCs of Money, 6th edition. You can also learn more in my Mortgage Rates blog.

​5. Avoid Capital Gains Taxes
A lot of retail investors and even millionaires with managed plans buy and sell in a standard brokerage account. Invest in a tax-protected retirement account, and you’ll be spared the capital gains taxes. This is yet another reason why it is important to max out our Roth IRA and Health Savings Account and contribute up to the match in our employer-sponsored retirement plan. That way a decision to capture gains can be based upon staying diversified and assessing the opportunity, not hanging on so you don’t have to pay taxes for selling.
 
With the SEC approving Bitcoin and Ethereum ETFs, we can even protect our Bitcoin and Ethereum profit-taking from taxes. Each account we have plays a different role. All of them together add up to our liquid assets pie chart.

6. Dependent IRA and College Savings Plans
We can start contributing to a college savings plan when our child is born. A dependent Roth IRA can be set up once our teen is working. If the college plan turns out to be a trade or you don’t need to use all the funds, then up to $35,000 of the college fund can be rolled over into a dependent Roth IRA. Be aware of the IRS.gov rules and be sure to dot all the Is and cross all the Ts.
 
To play it safe, consider the benefits of contributing to the dependent IRA once your teen is working. The Roth IRA can be used for college expenses or as a down payment on a house without a penalty (subject to limits). There is a lot more flexibility in this plan.

Learn more in the 2nd edition of The ABCs of Money for College. Parents should read this book when their kids are born. There are also strategies for working adults who wonder if they should get an advanced degree, and for students who would be better served with a trade than with a university diploma.

7. 1-3 Times a Year Rebalancing
As we get closer to retirement, we can’t afford to have all our wealth riding on the Wall Street rollercoaster. To maintain an age-appropriate, properly diversified wealth plan, it is important to rebalance 1-3 times a year. This is also a “capture gains” strategy. With our pie chart system, we are prompted to do what we should be doing (capturing gains at the high and buying more low). This plan also takes the emotions out of it. You can personalize your own sample pie chart using our free web app. Email [email protected] for the links. We devote one full day at the Financial Freedom Retreat educating you on what an age-appropriate, diversified and hot plan looks like and why rebalancing 1-3 times a year is essential.
 
8. Earn $10,000+ Annually and Safely on Cash
3.5% interest on $1,000,000 is $35,000 a year. $500,000 can earn an extra $17,500 annually, while even $100,000 can earn $3,500. So, it’s very important to make sure that our cash is working for us safely, without paper losses. Learn more in my 6 Rules to Earn Thousands Without Paper Losses blog. We spend one full day on What’s Safe at our Financial Freedom Retreat.

9. An Age-Appropriate, Properly Diversified Wealth Plan
What is an age-appropriate, properly diversified wealth plan? Learn more in my Investor IQ and Rebalancing IQ tests and the meme below. The 10 Rules of Investing are the foundation of our time-proven, 21st Century wealth plan, which protects wealth in recessions and outperforms the bull markets in between.

10. Affordable Housing Solutions
There is an entire section on Real Estate in The ABCs of Money, 6th edition. The book includes a 10-point checklist for homebuyers. The Thrive Budget also offers creative solutions for unaffordable housing. For some, the solution is hiding in plain sight. Check out my Aging Mom Doesn’t Want to Discuss Her Dilapidated House blog for details. I typically host a Real Estate masterclass each year. If you’d like access to the most recent class recording, request that with your registration of our Financial Freedom Retreat. Email [email protected] for additional information and to register.

11. Legacy Planning the Right Way
It’s understandable in a democracy like America that parents just will an estate to the kids and let the kids sort everything out. However, is that the best strategy? Is there a beneficiary who would benefit best from owning the family home, while another, perhaps a homeowner in another city, might appreciate inheriting the IRA? Should an income-producing asset be put in an LLC? Which relative would be the most responsible managing member? Who should have decision-making authority?
 
Additionally, do we really have to wait until we pass away to give our kids something? Or would we all be better served by willing the estate slowly and steadily, so that all generations benefit from the wealth, while also learning how to be better stewards of the assets. Families that keep wealth for centuries teach their kids about passive income, community, wealth and investing starting from a very young age. Families that don’t do this typically lose the wealth within a few generations. It’s not just a matter of putting things in a trust or inheriting a million dollars from an insurance policy. Most people who land a windfall lose it in just a few years. A training and wealth transfer plan now that educates and supports the next generation will ensure that the wealth we have worked so hard to create doesn’t get blown in a few years, as can easily happen with uneducated trust fund babies who have no guidance or oversight.
 
12. Preparing for Retirement
When you ask your financial advisor or AI about retirement planning, you might be given a series of questions and then offered a lot of fancy charts telling you about various investment strategies. The simple truth about retirement is that you’ll have less income and will need to find ways to have the same lifestyle with less money and more medical expenses. While amassing wealth through passive income is essential (I’ve outlined many of the wealth hacks above and in our Financial Freedom Retreat), so is understanding how to stop making billionaires rich. We’ve also discussed many of ways to save on the big-ticket bills above.
 
For instance, if you set up an HSA at your 1st job, max it out every year and then start investing in it, you should have enough money for the biggest expense in retirement – health care costs, which could be $172,500/person or more. Health costs are the biggest reason for bankruptcy in retirement. If you have more than you need, after the age of 65, the HSA acts like a retirement account and can be willed to another family member. Getting an HSA with our 1st job could also save us thousands annually, which means we might own our home free and clear by the time we retire – if we’ve used the medical insurance savings to build equity. If our mortgage is paid off, then we’ve dramatically lowered our housing costs – worth tens of thousands of dollars each year.
 
At the Financial Freedom Retreat and in my private coaching, we talk about getting rid of as many bills as possible before retirement, offering many solutions that are rarely a part of the retirement conversation. There are many ways to spend less without a change in lifestyle, if we’re mindful and creative. As one example, recently a couple who is close to retirement had to redo all the plumbing in their 50-year-old home. Since they have a pool, it could make sense for them to consider gray water plumbing, where their shower and sink water can be filtered and disinfected and used to fill up their pool and jacuzzi. Grey water might also be used to water the plants. (Check with your local authorities on the rules.) This would dramatically lower their water bill.
 
I’ll be offering a Preparing for Retirement (with your 1st job or playing catch-up if you’re close) masterclass on June 13, 2026. Email [email protected] for pricing and information.
 
13. No Fancy Schemes, FUD or HODL
Sure-shot investing strategies, email investing campaigns, hot tips, FUD and HODL have a lot in common. They are some of the easiest ways that we are taken in. Whales are always the ones to buy low and sell high. Why don’t more retail investors adopt this well-worn Wall Street maxim? Buying low and selling high is the opposite of what our emotions tell us to do. Also, most people don’t buy low because they can’t. They lose too much in corrections and recessions and have no liquidity, combined with a lousy credit score.
 
Adopting an age-appropriate, properly diversified plan might sound blasé. However, it’s quite fun when your silver triples, your Peru fund doubles and your clean energy fund takes in 55% gains (double the Magnificent 7). Learn the Top Investing Mistakes in my book, Put Your Money Where Your Heart Is, 2nd edition.

14. Embrace the Wisdom of Past Mistakes
Thinking about the past is useful if we use the wisdom to inform better choices. However, we don’t want to wallow in or rue our mistakes. No one bats a thousand. Whether you lost on cannabis or plant-based protein, got caught upside down on your mortgage during the Great Recession or have taken on too much credit card debt, let those lessons be the spark that lights the fire of desire to employ systems that work. Those solutions are rarely found in the mainstream.
 
If you chase headlines, you’ll always be late. There are also conflicts of interest, commissions, outright fraud and scams, and recessions to navigate in the never-ending financial noise. Don’t drown in regret, swim in the sea of complacency, crow about performance, reach for yield or pray for a Hail Mary. High-performing Wall Street whales have a saying, “Stick to your knitting.” Once you find a time-proven, 21st Century plan that works in bull and bear markets (like ours does), just stick to it.
 
Other Wall Street aphorisms? Never confuse a bull market with wisdom. Bulls make money. Bears make money. Pigs get slaughtered.
 
15. The Rule of 72
You will double your money in 7.2 years if you are achieving a 10% annualized return. The S&P 500 has scored 23.01% annualized over the past three years meaning that you would’ve cut that time in half, doubling your money in 3.3 years. If you weren’t invested in large cap growth and had a lot of bonds, your annualized return could have been under 6% or less (12 years to double your money). Many annuities offer a rate at 2% or less (36 years). The formula is 72 / (annualized rate of return).
 

This is why it is VERY important to know exactly what you own and why, how much you are paying in fees and what the rate of return is. Some people, especially conservative investors, are paying $5,000-$15,000 per million per year to their financial advisor and losing money at a time when the S&P500 was on fire. In 2022, long-term government bonds lost more than stocks. Paper losses are far more problematic than investors are being told.

Below are a few more prosperity and abundance tools we teach at our Financial Freedom Retreat.
 
* What’s Hot and how to invest in industries and companies with interstellar upside safely
* How to avoid capital gains taxes on crypto, AI and other hot industries that are shooting the moon
* Easy-as-a-Pie-Chart Nest Egg Strategies that earned gains in the Dot Com and Great Recessions and outperformed the bull markets in between
* The life math that we all should have received in high school and college
* Safe, income-producing assets. Bonds are tricky, but, done right, can be beneficial. There are many other areas of opportunity, as well
* How to protect your wealth, earn money while you sleep, put your money where your heart is, and profit, while healing the planet
* Why ESG investing is false advertising & how your money is being used to promote some of the things that you picket
* Why regular rebalancing is essential in the 21st Century, and how the pie chart system is a buy low, sell high financial plan on autopilot
* Why Target Retirement Date Funds lag the S&P500, are vulnerable to losing half or more in recessions, and what you can do about it
* How a time-proven 21st-Century plan differs from Buy & Hope
* How to protect your wealth from stock market volatility and bond market illiquidity
* The hottest industries and countries in the world
* Life Hacks and how to manage FUD (fear, uncertainty and doubt)
* Performance enhancing strategies, including industries that can go up when stocks go down
* How to get a higher yield and less risk with country diversification
* Why Buy & Hope is a last-century strategy that doesn't work in today's world
 
Call 310-430-2397 or email [email protected] to learn more and to register now. (We're happy to answer any questions you have. There is never any pressure to register.)
Bottom Line
Have you learned a lot in this lengthy blog that only took 7-10 minutes to read? Imagine what you can learn over the course of three days at our online Financial Freedom Retreat! Call 310-430-2397 or email [email protected] now to learn more and register.

Why not adopt the wealth strategies that patricians use to keep their assets in the family for centuries? It’s not more time-consuming or difficult. It simply requires learning the life math that we all should have received in high school, while adopting a well-designed, time-proven plan instead of following the rote leech-filled, bill-paying life that is carved out for us by billionaires who profit from our complacency and naivete.
 
Are you aware that the hot funds we've been featuring in our sample pie charts and retreats performed at the top of Wall Street in 2025? Silver tripled. Peru (copper) was on fire with over 100% gains. Even clean energy scored 55%... 

Why not treat yourself to the gift of financial freedom to create a New Year, New Me in 2026?
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Register now to join us at our online Financial Freedom Retreat April 24-26, 2026 where you'll learn how to protect your wealth, save thousands annually in your budget, invest in hot industries like AI, gold, crypto and more, and how to be in the best seat during our volatile Debt World. Register by Feb. 28, 2025 to receive the best price. (Ask for access to a recording of our Bond or Rebalancing masterclass as our gift to you, when you register by Valentine's Day.) Email [email protected] to learn more and register now.

If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. 

Request testimonials at [email protected]. You can also view some on the flyer page of the retreat. 

Learn how to:

* Invest in hot industries, such as cryptocurrency, Nvidia, artificial intelligence, and quantum computing,
* Save thousands annually with smarter big-ticket choices
* Hedge against a weaker dollar,
* Invest and compound your gains,
* Green your retirement plan,
* Easy and efficacious nest egg strategies,
* Get hot and diversified (including in artificial intelligence, quantum computing and crypto),
* Evaluate stocks,
* Avoid capital gains and financial predators,
* Keep an age-appropriate amount safe, and,
* Know what's safe in a Debt World.

Yes, it's a complete money makeover. 
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Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. ​

"Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM
​
"Many people, including educated men and women, often get into trouble when they 
neglect to follow simple and fundamental rules of the type provided [by Natalie]. 
This is why I recommend them with enthusiasm." 
Professor Gary S. Becker. Dr. Becker won the 1992 Nobel Prize in economics for his theories on human capital

"College students need this information before they get their first credit card. Young adults need it before they buy their first home. Empty nesters can use the information to downsize to a sustainable lifestyle, before they get into trouble." 
Joe Moglia, former Chairman & CEO, TD AMERITRADE.


If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.

Click through to the flyer to learn more. Call 310-430-2397 or email [email protected] for pricing, additional information and to register. Register with friends and family to receive the best price. Teens and college students can attend for just $99.

Join us for our Restormel Royal Immersive Adventure Retreat. Spring Equinox 2027. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. Register now to receive the best price, the best room and four private, prosperity coaching sessions. There are only 6 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 65% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now.

Photo of Natalie Pace by Brian McLernon.

Natalie Wynne Pace is an Advocate for Sustainability Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of The ABCs of Money for College are the most recent releases of these books. Follow her on Instagram. 
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Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden.​​

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Check out Natalie Pace's Substack podcast and watch videoconferences and webinars on Youtube.

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Important Disclaimers
Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly-traded companies, funds or projects mentioned by Natalie Pace are not intended to be buy or sell recommendations.

ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect an age-appropriate, diversified wealth plan, which has been designed strategically, with the assistance of financial professionals who are familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge, patience and diversified strategy.  
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Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument.