Excerpt from a Ramit Sethi YouTube video (Jan 4, 2026) arguing there is no upper limit to how much someone can invest — wealthy people may invest $100k to $1M per month — and advising viewers to create money rules for unexpected income (example: allocate 75% of unexpected money to investments).
You know, a lot of people think that they can only invest up to the max in their 401k and Roth IRA guys. That's not true. Do you know that wealthy people, they can invest $100,000 a month? A million dollars a month. There is literally no limit to how much you can invest. So what does that mean for you if you're not sitting on a million extra dollars a month? It means that you create rules for your money. One of my favorite rules is what do I do with unexpected money? That could be a tax refund, it could be a side income that I made, whatever. And a rule might be something like 75% of that money goes to investments.
