FirstStepsInvesting

Decoder · The big picture

Pay yourself first

The habit of moving money to savings and investing on payday, automatically, before spending decides for you. It is the behavioral engine under the whole order of operations: the steps only happen if the money moves before life spends it. Automation — a paycheck deduction, a scheduled transfer — is what makes the order real instead of aspirational.

For your first $100: Set the transfer for the day after payday, even at $25. Your first $100 should arrive by system, not by willpower.

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