👋 Managing Tech Millions 📈 your go-to source for building wealth with tech equity and managing the money that comes with it.
Join me for The WealthOps Way—our free live masterclass designed to help you stop guessing and start running your wealth like a business.
You’ll go from scattered to strategic as you craft your own Portfolio Thesis—the foundation of everything that follows.
👉 In just one session, you’ll:
Clarify your long-term vision
Define your next best investment move
Build the system that turns wealth into freedom
When? 📆 February 25th at 7pm to 9pm (Central US)
Between 2020 and 2025, the U.S. added more than two million new millionaires.
But in 2026, hitting the million-dollar mark doesn’t mean what it used to. And the gap between the average millionaire and the true top 1% is far wider — and far more structural — than most people realize.
In this week’s episode, I break down the actual net worth thresholds for the top 10%, top 5%, and top 1% — and more importantly, how wealth is structured at each level.
Because wealth doesn’t scale linearly.
It transforms structurally.
The Definition That Changes Everything
Before we even look at the numbers, we need to separate two concepts:
Total net worth
Investable net worth
One includes your primary residence. The other focuses only on capital that is actively working for you.
When you isolate investable net worth, the story shifts dramatically.
At the top 10% and even the top 5%, a large portion of wealth is tied up in primary residences and retirement accounts — assets that are either illiquid or not fully controllable.
But at the top 1%, something changes.
The Great Decoupling
This is what I call The Great Decoupling.
As you move up the wealth ladder, dependent assets shrink and ownership assets expand.
Homes and employer retirement plans represent a smaller share.
Public equities, private business equity, and productive capital represent a larger share.
The shift isn’t just about having more money.
It’s about having more ownership — and more control.
That’s when wealth stops being something that “happens to you” and becomes something you operate intentionally.
Why Most Millionaires Plateau
Here’s the trap.
Many people assume that if they just keep doing what got them to $1M or $2M — saving, investing in index funds, accumulating retirement accounts — they’ll eventually reach the top 1%.
But the Federal Reserve data shows something different.
From the 90th to the 99th percentile, portfolio composition barely changes.
Bigger numbers. Same structure.
And that structure is what creates the plateau.
The Real Shift
Making money and managing wealth are two different skill sets.
Most first-generation wealth builders master the first.
Very few deliberately build the second.
The difference between top 10% and top 1% isn’t just net worth. It’s the shift from dependent wealth to ownership wealth. From accumulation to architecture.
If you’ve built a career, managed complexity, or run a business, you already have the operational skill set.
The question is whether you’re applying it to your capital.
You can listen to the full episode above.
And as you do, ask yourself:
Are you scaling numbers — or redesigning structure?
Because the next level isn’t just a higher threshold.
It’s a different game.
Join me for The WealthOps Way—our free live masterclass designed to help you stop guessing and start running your wealth like a business.
You’ll go from scattered to strategic as you craft your own Portfolio Thesis—the foundation of everything that follows
👉 In just one session, you’ll:
Clarify your long-term vision
Define your next best investment move
Build the system that turns wealth into freedom
Spots are limited—and the clarity you’ll gain? Game-changing.
Let’s build your portfolio like it’s your next great company.
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Disclaimer: This newsletter is for informational purposes only and does not constitute financial or career advice. Always consult with qualified professionals before making any decisions based on the information provided.
