We're in 2026 now, yet most people haven't grasped the fundamentals that actually lead to financial peace. It's not complicated—just rarely practiced consistently. Zero debt serves as your foundation. A long-term perspective keeps you from panic selling or chasing quick wins. Having at least $100,000 deployed across assets? That's when compounding starts working in your favor. Multiple income streams protect you when one dries up. Physical consistency—hitting the gym regularly—sharpens your discipline and keeps decision-making sharp when markets get messy. And free time? That's where real wealth lies. Not in the noise, but in space to think clearly. These six elements aren't rocket science. They're the unglamorous combination that separates those living paycheck-to-paycheck from those sleeping soundly at night.