When it comes to building wealth, working more hours in a day isn’t the way to go.

You need to make your money work harder for you!

Here are ten things you can do.

10. Weekly check-ins

What to do: Review goals, net-worth chart, make one tweak, then close laptop.

Why it scales: 30-minute calendared check-in beats “someday.”

9. One book/quarter

What to do: Start with The Psychology of Money → Die With Zero → Just Keep Buying. Entertaining reads and awesome lessons.

Why it scales: Continual literacy = better decisions and higher earning power over time.

8. Automate bill negotiation

What to do: Connect accounts once, approve offers.

Why it scales: Bots (e.g., Rocket Money) cut recurring costs you’ll forget about.

7. Yearly (minimum) “asset-location shuffle”

What to do: Re-balance each January while harvesting losses/gains.

Why it scales: Putting bonds/REITs in tax shelters and stocks in taxable can add 0.3-0.6 % in returns per year.

6. Roll up raises into tax-advantaged accounts first

What to do: Increase HSA/401(k)/IRA contributions before net pay feels bigger.

Why it scales: Keeps taxable footprint low and speeds compounding.

5. Quarterly fee audit

What to do: Use tools like Empower or CardPointers; cancel/renegotiate anything >$10 mo.

Why it scales: Keeps taxable footprint low and speeds compounding.

4. Invest on payday, not month-end

What to do: Align automatic transfers with payroll date.

Why it scales: Reduces spending temptation and hits the market faster (time-in market > timing market).

3. Monthly “found-money sweep”

What to do: Push bonus cash (cash back, side-gig income etc.) straight to your investments.

Why it scales: Extra cash automated to investments builds your wealth without any strain on your wallet.

2. Treat windfalls as 80/20

What to do: Split your tax refund or bonus the day it lands.

Why it scales: Enjoy 20 %, invest 80 %. Protects momentum while giving you a little dopamine.

1. Auto-increase savings 1% every raise

What to do: Turn on “auto-escalation” in your 401(k) or set a calendar nudge for salary-bump week.

Why it scales: Keeps lifestyle creep in check while painlessly boosting your investable cash.