Wealth means more than just the figurative vault of gold coins; it’s a strategy of saving and investing that leads you to financial security. This might sound unreachable for many people, as for years we have been battling a rising cost of living, inflation and overall economic uncertainty.

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True wealth, often associated with celebrities, hedge fund managers or billionaires, seems to remain out of reach for the average earner just trying to pay off debt or put money into a retirement account. However, the truth is that being rich or having wealth can be more than just what’s in your bank account, and it can look like many things, such as physical assets, increasing your income, getting great returns on investments and so on.

Though tariffs seem to be putting an extra tax on everything in your grocery cart, there are still a few subtle, if not genius ways to build your wealth throughout the rest of 2025.

Your main financial goal should be to have your money do the earning for you. There’s one great benefit to high interest rates that come with certain savings products like high-yield savings accounts, CDs or money market accounts, and that is the return on these is still relatively high.

This is a great way to earn significantly higher returns compared to traditional savings accounts, and though it may not yield the higher returns of stocks, bonds, mutual funds or exchange traded funds (ETFs), the risk is much lower. You could allocate a specific percentage from your paycheck each month to go directly into an account with a high APY and easily grow your wealth. At the very least, it’s a great way to build an emergency fund to make sure you are covered should the unexpected happen.

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People who have success in investing understand that diversification is always key to growing wealth and making sure all of your nest eggs aren’t in one basket. No matter how you are attacking your financial plan, make sure you have just the right amount of irons in the fire.

One especially lucrative method of alternative investing is in real estate investment trusts (REITs). They offer a way to invest in real estate without the hassle of direct property management. This type of real estate investment can create a consistent stream of passive income to help you pad your retirement plan or even pay off your student loans so you can focus on other money-building goals.