Billi, Billi, Billions …. What do billionaires do with their money?

In this article, we will be uncovering what they do, do they save? Spend? or invest, well we are about to find out. 

When people think of billionaires, they imagine private jets and superyachts. But those are just the visible outcomes. Behind the scenes, billionaires treat money very differently from the average person.

They don’t manage money like consumers, they manage it like investors and strategists.

Here are 8 things billionaires do with their money with examples and the exact result of each move.

1. They Turn Cash Into Assets (Fast)

Billionaires hate holding idle because cash loses value to inflation every year. So instead of saving in bank accounts, they move money into income-generating or appreciating assets quickly.

2. They Own, Not Rent

While many people rent homes and lease cars, billionaires prefer to own equity, whether in companies, IP, or real estate. Ownership means long-term leverage compared to rent.

3. They Use Debt Strategically, Not Emotionally

Most people use debt for consumption (cars, clothes, lifestyle). Billionaires use debt as leverage to acquire more assets. Elon Musk took out a $61 million loan against Tesla stock instead of selling shares. That way, he avoided capital gains taxes while maintaining his ownership.

Note: 

Borrow to buy income-producing assets, not liabilities
Never borrow for things that don’t grow in value
Learn the difference between good debt (real estate, business) and bad debt (credit cards)

4. They Invest in Private Companies (Before the Public Can)

The average person invests in public stocks. Billionaires often invest in private companies long before IPO or acquisition, when returns can be 10x–100x, and one of the ways to do it is by joining vetted angel investor communities. 

5. They Park Wealth in Tangible, Rare Assets

Beyond stocks and startups, billionaires diversify into hard, non-correlated assets that store value. 

For example; Bill Gates is one of the largest farmland owners in the U.S., Rihanna owns valuable fashion IP and rare jewelry, and Beyoncé collects rare art (e.g. works by Basquiat).

And the result is their wealth is protected from inflation, market crashes, and currency devaluation. With the little you have, start small and scale over time.

6. They Build Trusts & Foundations to Protect Wealth

Billionaires don’t just make money, they make sure it’s protected for generations and aligned with their values.

7. They Obsess Over Tax Efficiency

The wealthy don’t avoid taxes illegally, they use the system better. They understand how to keep more of what they earn through timing, structure, and smart vehicles.

8. They Keep Learning and Build Teams Around Their Money

Most billionaires don’t manage money alone, they build a team: tax experts, legal advisors, financial strategists. But they stay financially literate and involved. With the use of AI and good prompting, you should be able to find your way around this. 

Billionaires think differently, not because they’re born rich, but because they treat money like a tool, not a prize.

They focus on:

  • Multiplying what they earn
  • Protecting it from taxes and inflation
  • Owning things that grow in value over time
  • Structuring their money to keep working, even when they’re not

And you don’t need a billion to copy their tactics. All you need is for you to start thinking like a builder, not a spender.