Codie SanchezFounder @ Contrarian Thinking

The 6 levels of wealth & how you can think about your next assets.

27 Dec 2025 · 1 min

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1:04

A short YouTube transcript by Codie Sanchez that defines six 'levels of wealth' by net worth brackets and gives typical asset compositions at each level. Each level pairs a behavioral description (spending/ lifestyle signals) with approximate asset-allocation percentages across cash, vehicles, primary residence, home, retirement accounts, business ownership, and stocks/mutual funds.

Questions this video answers

Under $10,000.

About 40% cash and 45% car.

$10,000 to $100,000.

About 38% vehicle and 35% primary residence or saving for one.

$100,000 to $1,000,000.

Chapters

What if the data tells us your top two assets reveal exactly why you're rich? Or why you're not? Let's figure out which stage of wealth you're in and what people richer than you are doing right now. Level one, your net worth is under $10,000. You're conscious of every dollar. Assets are about 40% cash and 45% your car. Level two, your net worth is 10k to 100k. You can buy groceries without checking the price. Your assets are about 38% vehicle and 35% primary resident or saving for one. Level three, your net worth is 100k to a million. You can go out to eat whenever. Assets are about 60%. Your house, 15% retirement. Level four, your net worth is a million to 10 million. You travel whenever, wherever. Assets diversify into 32% home and 22% retirement accounts. Level five, your net worth is 10 million to 100 million. Your dream house. Dropping the bucket. Assets shift 32% business ownership and 25% stocks and mutual funds. And then we have level six. Your net worth is beyond 100 million. This is where your money makes more than you do. Assets are 55% business interests and 22% stocks and mutual funds. Mutual funds.