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Lesson 2.2 | Pay yourself first

Lessons

11 December 2025

3 min read

If you invest after spending, there may be nothing left. If you invest first, your goals get funded automatically.

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Written by

Ana Kresina

Big idea: If you invest after spending, there may be nothing left. If you invest first , your goals get funded automatically.

Most people follow this cycle 🔁:

Get paid → pay bills → spend → try to save or invest whatever is left
…which often ends up being nothing.

'Pay yourself first' flips this 💰 :
Get paid → invest → pay bills → spend the rest

Suddenly your future self becomes a priority, not an afterthought.

Why this works

When we create systems to make it easier to invest, we end up saving more money.

It removes temptation to spend and doesn't make investing an after-thought. It's at the forefront of your goals.

If $50 disappears into your investments on payday, you simply adjust your spending around what remains.

Example

Let's say Jordan earns $2,000 every fortnight.
On payday:

  • $100 is automatically invested
  • $1,900 covers bills + spending
    After one year, they’ve invested $2,600 , without thinking about it.

The magic isn’t in the amount — it’s in the automation.

Why should I care?

Because paying yourself first builds wealth quietly in the background, even during busy or stressful months.

It takes thinking out of it — because it’s automated — making it easier to invest effortlessly.

Try this today

Think of a comfortable amount you could 'pay yourself' each payday — even $20.

Author Profile Picture

Written by

Ana Kresina

Ana Kresina is the Head of Digital Advice at Pearler. She is also the co-host of the Get Rich Slow Club, one of Australia's leading podcasts on long-term investing, budgeting, and savings hacks. Beyond Pearler and the Get Rich Slow Club, Ana has written two books on finance and investing. The first, "Kids Ain't Cheap", explores how to plan financially for parenthood and your family's future. She co-wrote her second book, "How to Not Work Forever", with her Get Rich Slow Club co-host Natasha Etschmann (of @tashinvests fame). Outside of Pearler, writing, and podcasting, Ana lives with her partner and two children in Melbourne. Before moving to Australia, Ana was a competitive roller derby athlete in her birth country of Canada.

Remember, that this is general in nature and doesn't constitute personal advice. Reach out to a financial professional when considering making financial decisions. All figures and data in this article were accurate at the time it was published. That said, financial markets, economic conditions and government policies can change quickly, so it's a good idea to double-check the latest info before making any decisions.

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