TikTok <\/p>\n
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A viral TikTok by a user dubbed \u201cTaylor Money\u201d challenged conventional wealth wisdom by dismissing the routine strategy of spending money on things like \u201cbigger houses, bigger boats, bigger cars\u201d\u00a0and then stashing the rest in a savings account (1).<\/p>\n
According to Taylor, the distinction between the average middle-class mindset and that of millionaires lies in one word: expansion. Rather than spending your money on material upgrades, Taylor believes the true purpose of money is to use it to generate more.<\/p>\n
\u201cOnly when you start to see money for what it actually is, a method of expansion\u2026 a vehicle for your own expansion, then the opportunities to make more money expand, start presenting themselves for you to take,\u201d\u00a0 Taylor explained in the December clip that has garnered almost 3 million views.<\/p>\n
Pushing his followers to use money for expansion, Taylor advocates investments known for earning higher annual percentage yields (APYs). While the average APY on traditional savings accounts hovered around 0.40% towards the end of 2025, high-yield alternatives<\/a> offered rates upwards of 5%, according to Experian.<\/p>\n If you find Taylor\u2019s advice compelling, consider some of these ways you can put that income-generation mentality into action.<\/p>\n \u201cMiddle-class people use money as a way to build credit so that they can buy bigger houses, bigger boats, bigger cars, whatever,\u201d Taylor said. \u201cThat\u2019s not the function of money.\u201d<\/p>\n If buying a home isn\u2019t the right move for you, there are still ways to invest in real estate to generate passive income and diversify your portfolio.<\/p>\n If you\u2019re looking to invest in properties in a way that doesn\u2019t require you to be a landlord or already have millions in the bank, Arrived<\/a> might be the right option for you.<\/p>\n Backed by world-class investors, including Jeff Bezos, Arrived allows you to buy fractional shares of vacation and residential rental properties<\/a> without all the work hassle that comes with having tenants<\/p>\n To get started, you can browse a curated selection of homes, vetted for their appreciation and income potential. Once you find a property that meets your criteria, you can choose the number of shares you want to buy and start investing with just $100<\/a>.<\/p>\n Read more: Warren Buffett used 8 solid, repeatable money rules to turn $9,800 into a $150B fortune. Start using them today to get rich (and stay rich)<\/a><\/p>\n One of the easiest ways to invest is to open a self-directed trade account with SoFi<\/a>.<\/p>\n This DIY approach allows you to invest with no commission fees, plus for a limited time you can get up to $1,000 in stock when you fund a new account.<\/p>\n SoFi<\/a> is designed to help you learn investing as you go, with real-time investing news, curated content and the data you need to make smart decisions about the stocks that matter most to you.<\/p>\n You probably think of art as just some canvas that makes your living room look nicer, but art has quietly outperformed other asset classes for years.<\/p>\n Art is part of a $1.7 trillion asset class according to Deloitte, which is roughly half the size of venture and private equity. Contemporary art has outperformed the S&P 500 by 131% for the past 26 years, and it has a near zero correlation to stocks according to Citi. Having a low correlation to stocks makes art a useful hedge against market volatility.<\/p>\n Masterworks<\/a> makes it possible for every savvy investor to access an asset that has previously been limited to the ultra-wealthy. Instead of buying a single painting for millions of dollars, you can now invest in shares of individual works.<\/p>\n Simply browse their impressive portfolio of paintings<\/a> and choose how many shares you\u2019d like to buy. Masterworks will handle all the details, making high-end art investments both accessible and effortless.<\/p>\n Masterworks has distributed more than $65 million back to investors. New offerings have sold out in minutes, but you can skip their waitlist here<\/a>.<\/p>\n See important Regulation A disclosures at Masterworks.com\/cd<\/a><\/p>\n We rely only on vetted sources and credible third-party reporting. For details, see our editorial ethics and guidelines.<\/p>\n TikTok user @taylor_money_ (1<\/a>)<\/p>\n This article provides information only and should not be construed as advice. It is provided without warranty of any kind.<\/p>\n