The video emphasizes the critical importance of continuous learning in a rapidly evolving world, highlighting three key skill areas – personal finance and investing, Artificial Intelligence (AI), and business – as essential for navigating future economic changes and unlocking opportunities in 2026.
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Learning is literally my favorite thing
in the world, especially these days with
the speed of the world progressing at a
dizzyingly fast rate. The future belongs
to those who do not stop learning. So,
in this video, I want to share with you
guys some of the most important skills
to learn in 2026, in my opinion, which
of course I'm also going to be
personally [music] learning. A portion
of this video is sponsored by HubSpot.
Oh, by the way, I think a lot of you
guys are new here, so I just wanted to
give a quick little introduction of
myself. Hello, my name is Tina. I am a
YouTuber and entrepreneur, and in my
past life, I was a data scientist at
Meta. And yeah, like I said previously,
I really like learning things. Welcome
[music] The first important skill to
learn in 2026, in my opinion, is
personal finances and investing. Going
to 2026, I think there's a lot of talks
about economic changes, things about
like potentially layoffs, of course, the
impact of AI, and just general market
instability, which for me are signals to
focus on learning more about personal
finances and investing to be able to
capture opportunities that are going to
be available and also to hedge myself in
case things don't go so well. There are
four things under this personal finances/investing
finances/investing
category that I think is important to
learn. Disclaimer, I'm not a financial
adviser, not even like a finance expert,
really just like an internet person also
trying to learn things. So, please take
what I say with a grain of salt. Just
wanted to share in case it's useful.
Okay. The first thing that I think
everybody should learn is basic
financial literacy. Like, it is crazy to
me that the majority of people do not
have basic financial literacy cuz it's
just not taught in school. Like, nobody
taught me about financial literacy in
school either. I had to go learn it
myself. stuff like budgeting, how to
even set financial goals, credit,
[music] insurance, taxes, investing.
Yeah, if you're also kind of fuzzy on
these topics, really recommend that you
learn these things. I did make a video
which I'll link over here, which
summarizes Khan Academyy's 20our plus
financial literacy course, which I think
gives you the basis. In that course,
they also cover the very important
concept called an emergency fund, which
is the second thing that I think
everybody should learn and be aware of.
An emergency fund is cash that you set
aside just in case something happens and
you need to use that money. could be
something [music] bad that happens.
Knock on wood doesn't, but you could
like lose your job and you need that
money, right? Or it could be something
good that happens like maybe you
spontaneously get married and you you
know you need to spend more money as
well. But regardless, it is good to have
that money set aside in case you need
it. So, I think one of the first things
that you should focus on is building up
that emergency fund. Common advice is 3
to 6 months worth of money that can
cover your current lifestyle. Now, those
two that I just covered are kind of like
the bare minimum. Moving into the third
thing now that is investing. This is
more about maintaining stability and
building wealth. I also made an entire
video where I summarized UDMI's top
investing course, which I will link over
here if you want to check that out. Now,
specifically for 2026, I'm focused on
diversifying my investments. I recently
read the stat from JP Morgan that says
that AI stocks now account for roughly
44% of the S&P 500 market
capitalization. So, don't worry about it
if you're not familiar with this, but
for those of you who know a little bit
more about investing, the S&P 500
represents the 500 biggest companies in
the US. And a very common advice for
investing is that you should invest in
the S&P 500 because then you'll be very
diversified, right? But in more recent
years, big tech and AI stocks have
really dominated S&P 500. So, you're not
really as diversified anymore when
you're just investing in that. So, for
me personally, that's kind of what I've
been following and I'm looking into
diversifying more globally and across
different sectors as well. And finally,
I think it's pretty smart to learn about
how to diversify your income streams and
also create additional income streams.
reason is pretty similar to before. I
think there's more economic instability
these days. So, having multiple income
streams would hedge you against
something potentially happening. Also,
these days freelancing or like starting
a side gig or starting your own business
is a lot more doable than it used to be.
So, if you are interested, now is a good
time to do that. I will expand a little
bit more on this topic later in the
video, like how to actually go about
doing this, but for now, I just want to
put this on your radar. I genuinely
believe that having financial literacy,
getting your personal finances and your
investments in chat gives you the
confidence and the freedom to explore
other topics and things that you're
interested in such as for example AI. [music]
All right, how can I be an AI creator
without mentioning learning AI, right?
But in all seriousness, I see more and
more opportunities in AI. It is pretty
amazing. At the beginning of 2025, I
made a few predictions including the
development of better base models,
better multimodality [music]
like images, video, audio, increasing
interest in business integrations, like
how to actually integrate AI into
people's businesses and also AI agents.
All of these things have developed
[music] far beyond what I had expected.
And in turn, they've created even more
opportunities in this field. So, in this
video, I'm not going to spend so much
time talking about the trends going into
2026 because that is probably the topic
for an entire other video. Also, I did
already make a video about essential AI
skills for 2026, so you can check it out
over here if you're interested. But
basically, there's two major takeaways
that I want you to have. Number one,
anybody that wants to build a software
[music] products can do so now. Like,
there is no excuse anymore. You can do
it without knowing how to code really
fast and at lower and lower cost. And
number two, more and more companies are
focused on integrating AI into their
daily workflows. There was a study done
by McKenzie that showed that AI is only
at around 1% maturity right now because
there's a lot of work that goes into
integrating AI solutions into existing
businesses. By the way, I can personally
attest to this because part of our
company does B2B consulting and AI
solutions and a lot of what we do is
helping companies figure out how to
integrate AI into their existing
workflows. So yeah, I'm going to be
focusing a lot in particular on these
two specific areas. Whether you want to
do AI freelancing, start an agency, or
buy code your own software product, you
can do this so easily now with so little
startup cost. I'll link in the
description some of the videos I've made
um surrounding these different topics if
you're interested in getting started and
any other resources that I come across
as well. A big theme of this video is
about how anybody that wants to build
can and should build. Now, so if you
have an idea of a product that you want
to build, but you're just not really
sure how to start, then I really
recommend you check out this free guide
called Seven AI tools every founder
needs in 2026 from HubSpot that lays it
out step by step. This resource covers
how to use AI to launch a product in
just 30 days, hiring and onboarding your
first employees, creating lead
generation system, validating an MVP,
and guidance on preparing to raise seed
or series A funding. It makes the whole
process feel way more doable instead of
overwhelming. In addition to being
really detailed and practical, I love
how they also focus on real founder
scenarios. My favorite one is the MVP
validation example, which is a mobile
app that matches users with inspiring
figures to embody each day. There's a
six-step process and starter prompts
that you can just copy and paste to get
started. Literally plugandplay. So, if
you've been thinking about building but
have just been putting it off, this is
your sign to grab the free seven AI
tools every founder needs in 2026 guide.
You can get it at the link over here,
also linked in description. Thank you so
much HubSpot for providing free
resources and for sponsoring this
portion of the video. Now back to the
video. Now if financial literacy and
personal finances gives you the freedom
to explore different options and AI
empowers you to be able to do
freelancing or to build the things that
you want to build at very low cost and
minimal resources. Then the third part
of the equation is business.
>> You obviously didn't go to business
school. Look, Templeton, [music] the
numbers just don't add up.
Learning about business is what changes
the things that you're interested in
from a hobby into something that makes
money for you and is sustainable. Now,
I'm not saying that everybody should be
a business owner. I do not think that's
the case at all. I'm just saying that if
you do want to be a business owner, now
is a great time for you to do so. And
just for context, what I have is a
lifestyle business, which means that
it's a business that maximizes freedom
doing the things I want to do and
working with the people that I really
enjoy working with. It is not a
ventureback startup. I'm not like
focused on hyper growth and like [music]
generating massive amounts of revenue or
profit. So I just want to say if you're
interested in not lifestyle businesses
then what I'm saying here is probably
not applicable for you. So don't listen
to me. But if you are interested in
maybe starting your own lifestyle
business, I want to share with you the
two biggest learnings that I've had
since having my business for 5 years.
The first one is that owning a business
effectively cuts your taxes down by so
much. Like I was so shocked to realize
that when I was working at Meta, I was
making [music] a lot more money, but my
take-home was actually less than when I
started my own business, even though I
was making way less money. [music]
Having your own business is kind of like
the open secret as to how people pay
much less taxes legally. [music]
>> Yeah, that's uh that's my legal opinion.
>> The second thing is that the way that
you want to approach a business and see
a business is so different compared to
having a full-time job. Like the way
that I see a full-time job is that it's
a very linear type of progression. as
you increase your time and expertise in
something um the amount of money and
then just like the satisfaction all
those things are all like pretty linear
growth. You put in the effort, you put
in the time and you also get the
expected reward out of it. On the other
hand, a business has an exponential
curve. [music] In the first few years,
like in the beginning, it literally
feels like you're just grinding and just
running on a hamster wheel making no
progress. [music] Like that was me for
really the first four years of starting
this business. I struggled so much. It
really wasn't until like the later half
of this year where it felt like, oh my
god, like I feel like I'm actually
running a real business now. Like we
have full-time employees. Like we have a
real office. What? And we're generating
enough revenue that it doesn't feel like
I'm just constantly stressed all the
time, which was literally what it was
like for the first 4 years. So, if you
are someone who's also looking to start
your own business, I really hope that
these two pieces of information uh will
be very helpful for you. I also do have
a lot of different resources that I
would recommend you check out which I'll
link in the description. I learned like
completely self-learning cuz I come from
like a STEM engineering background,
right? Like I don't know anything about
business. So everything I learned about
business I learned by reading books,
taking courses and through experience.
So happy to share those resources. Now
going to 2026, I am personally also
going to be focusing a lot on learning
more about business. For me at this
point, it's more about how to
operationalize better, how to scale
better, how do I hire better, which I
will also link a few resources below if
you also are at this stage of your
business. And yes, that is what I have
for you guys today. These are the skills
that I think are the most worth learning
in 2026. Please let me know in the
comments if you're learning any of these
skills and also additional skills that
you're learning as well. I'm really
curious to see. And thank you so much
for watching until the end of this
video. Happy learning everybody in 2026
and I will see you guys in next video or
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