The Only 3 Accounts You Need to Build Wealth from Scratch

You don’t need 10 apps. You need a system.

And if you’re starting from zero — this is exactly where to begin.

If You’re Starting with Nothing — Start Here

You don’t need a financial advisor.

You don’t need 15 different apps.

You don’t need to “figure everything out first.”

You just need three accounts — and the discipline to use them right.

I’m telling you this as someone who started with nothing.

No inheritance. No rich uncle. No early financial edge.

I was born in a war-torn country. Raised in a refugee camp. And today, I work full-time driving buses while investing $50/day into MicroStrategy ($MSTR) — publicly, in front of the world.

This isn’t theory. This is proof of conviction.

And this post is the exact blueprint I wish I had on day one.

By the time you finish reading, you’ll know:

• Which 3 accounts actually matter

• How to set them up in under 30 minutes

• How to automate wealth so you never quit

Let’s break it down.

Account #1: A Brokerage Account — for Long-Term Wealth

This is your wealth machine.

Your brokerage account is where:

• You buy assets like MSTR, SPY, or QQQ

• You automate dollar-cost averaging

• You plant seeds that compound over decades

If you want financial independence, this is non-negotiable.

Every dollar you put here is a brick in your future.

My Setup:

I use Robinhood for long-term investing. Here’s why:

• Clean and beginner-friendly UI

• Commission-free trades

• Easy automation for recurring buys

• Ideal for $1/day or $50/day setups

🔗 Start your Robinhood account here 

Even if you only start with $1/day — start.

You can’t scale what doesn’t exist.

Account #2: A Crypto Account — for Education & Exposure

I don’t trade altcoins. I don’t chase pumps. I don’t DCA into dozens of tokens.

But I still believe every modern investor should understand Bitcoin and digital assets.

Why?

Because ignoring crypto today is like ignoring the internet in 1999.

This account is your:

• Window into the next financial system

• On-ramp to long-term BTC knowledge

• Backup in case traditional systems fail

I use this account for learning and holding BTC, not for replacing MSTR.

I trust MSTR for my main exposure — but I also study the asset itself.

My Setup:

I use Coinbase and Crypto.com — not for trading, but for education and long-term storage.

🟠 Start with Coinbase 

🔵 Try Crypto.com 

They’re user-friendly, regulated, and good for beginners.

But remember: I don’t DCA into BTC directly.

I stack MSTR daily and hold BTC separately for learning and backup.

This keeps my core thesis pure — and my long-term bets asymmetric.

Account #3: A Passive Micro-Investing Account — for Consistency

This is your “no excuses” account.

Even when life gets busy…

Even when you forget to invest…

Even when motivation fades…

This account still builds wealth behind the scenes.

My Setup:

I use Acorns for passive micro-investing.

It rounds up your daily purchases and invests the spare change into a low-risk index portfolio.

Every coffee. Every gas stop. Every grocery trip.

They all stack your future — quietly.

🟢 Start with Acorns

This isn’t your main strategy — it’s your silent system.

It works while you focus on stacking MSTR or your main assets.

What About IRAs, 401(k)s, HSAs?

They’re good tools. If your job offers a match — take it.

But if you’re like me…

• Starting from scratch

• No company plan

• Juggling real-life bills

• Trying to keep it simple

…then you don’t need complexity.

You need clarity.

These 3 accounts give you a strong foundation. They’ll carry you through year one, year ten, and year thirty — if you stay consistent.

My Personal System (Live and Public)

Here’s what I actually use:

Why Most People Stay Broke — Even with All This Access

They don’t stay broke because they lack knowledge.

They stay broke because they:

• Delay

• Overthink

• Quit when things get hard

But wealth doesn’t reward overthinking.

It rewards execution.

And consistency.

Set up these 3 accounts.

Put $5 or $50 in each.

Then let time do the rest.

Most people overcomplicate wealth. You only need 3 accounts — and the discipline to use them.

You Might Also Like:

• How to Invest with Just $1 a Day and Still Retire Wealthy

• The $50/Day Strategy — Why It Works Without Emotion

• The Psychology of Long-Term Wealth

Your Move — Start the System Today

Don’t wait for perfection.

Don’t wait for “more money.”

Don’t wait for motivation.

Start now:

✅ Open your Robinhood account

✅ Set up Coinbase + Crypto.com to learn BTC

✅ Start your Acorns auto-investing

Then build — brick by brick, just like I’m doing.

Every empire starts small.

But not every empire stays that way.

🧠 Final Recap:

• You only need 3 accounts to start

• Complexity kills beginners — simplicity builds habits

• I use this system live, daily, with $50/day into MSTR

• Wealth isn’t built in spurts — it’s built in systems