Codie Sanchez ranks four investments for 2026. Crypto gets an F: 80% of participants lose money. Gold is a D because it produces no cash flow. Starting a business is B-tier due to 90% failure rates within ten years. Home-service businesses rank S-tier for their recurring revenue and the wave of retiring owners creating acquisition opportunities.
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Which investment is most likely to make you a millionaire and which isn't in 2026? Start with crypto. It's not an investment, it's a bet and not a good one. The BIS says around 80% of people lose money in crypto. I know, yell at me. F-tier. Gold. Warren Buffett, who I would say is pretty good at investing, said gold is just about the last thing he would buy. Why? Doesn't produce anything. There's no cash flow and you need insurance on it. Usually goes back to the norm. D-tier. Investing in starting your own business. About 90% of millionaires own their own business, which makes sense because you own the assets of the business. But there's a catch to starting one. About half of startups fail within 5 years, 90% within 10. Odds not in your favor. That's why I'm going to put this at B tier. So in S tier, we've got home services. This is one of the highest probability paths. Why? If you buy these home service businesses, they have non-discretionary demand. That's like when an AC breaks in Texas or pipes burst. People don't wait, they pay. They have high margins and repeated revenue. So most home services have maintenance contracts, emergency work. That means predictable cash flow. They have aging owners. So acquisition opportunity has a huge wave of retirements. And they're They're listed among some of the most profitable small business categories. There's never been a better time to buy one, and private equity is gobbling up all the little guys.
