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.
