Big idea: There’s no perfect amount to invest. The 'right' number is simply the one you can stick to.
Some people invest 5% of their income.
Some invest 10%.
Some start with $20 a month.
Some start with $200.
All of these are valid — because the most powerful force here is consistency.
How to find your number
Ask yourself:
- What amount feels comfortable?
- What could I automate without stress?
- What could I increase later, once I’m confident?
Understanding your budget and what you can allocate comfortably to investing is key to consistancy.
Example — the $50 mindset
Investing $50/month may not feel like much… but over 30 years , at a 7% average return, it may grow to over $56,000 .
And if you ever increase that number — even by $5 or $10 each year — the long-term impact grows dramatically.
Your number will change
Your first investing amount isn’t permanent.
Start low.
Increase gently.
Adjust when life changes.
The goal is staying in the game — comfortably.
There may be times in your life where you can invest more or times when you need to pause. That's why finding a number that you feel comfortable with now is a good first step.
Why should I care?
Because when you find a number that fits your life, you invest consistently… and consistency is what compounds.
It’s about making meaningful habits last for the long term.
Try this today
Write down three possible investing amounts — a small one, a medium one, and a 'stretch but doable' one. Which feels right?
