I may rock at passive income, but there's one type of passive income that I had slacked on for YEARS.

Saving & Investing.

There were three reasons why I wasn't investing regularly.

1. I already had a few investment accounts from past jobs – and they were so difficult to work with that I couldn't get money into them regularly – so I didn't want to repeat that mistake. Like they are STILL sitting there without money going in. Craziness.

2. I didn't know enough to know what I needed to know to get actual help. Heck. I didn't even know what questions to ask, let alone what to do with the answers.

3. I'm an introvert and didn't want to have to walk into a bank and feeling stupid… But, finally I adulted and DID walk into a bank and I took hours of time to set up a SEP (like a 401 K) account, but it was such a pain to get money into that again, I just never did.

Again, businesses shouldn't make you jump through hoops to give them money, right?

It felt hard. Totally complicated and time-consuming and I was just over it. Until I realized that I *really* needed to make it a priority to sock away some money. I'm not getting any younger. 😉

I found the perfect solution for me.

It's called Wealthfront and here's why I love it.

1. You can set it up in MINUTES online.

2. No having to walk into a bank and waste your time.

3. It's automated. I set it up with my bank account and it pulls money into my three accounts automatically each month and reinvests dividends.

So what three accounts did I set up?

• I have one 529 (college savings) account for my daughter. She's in high school, so I put a little in there once a month. Because she's so close to college already, it doesn't make sense to put a ton in in case the stock market decides to blurp right before her Freshman year and not recover before she graduates, but I did want to put some in there. (And yes, we have other funds for this. Just not in an investment account.)
• A Joint Investment account. I have money going into that twice a month.
• A SEP (again, like an IRA to save on taxes and have money for retirement). I have money automatically go into that weekly.

It all runs like clockwork and I can just sit back and relax – knowing it's another thing that I don't have to think about. Plus, if my income fluctuates and I want to put more (or less) in, I can adjust it ONLINE without having to pick up the phone. (SWEET!)

Automation is my friend!

This is a simple tweak that's helping ME to be more responsible, to save and to prepare better for my retirement. 🙂

PLUS, there are no fees at all until you reach $5k if you sign up through my link.

So, if you are at all interested, check out Wealthfront and click on “get started” and it'll walk you through a quiz to see what kind of investments make sense for you.

Of course, I'm not an accountant or financial adviser. I just like simple, easy, profitable things to bring me health and wealth – and this has been one for me. Less stress. More money. Happier me. If you prefer another route and that's working for you, then that's awesome. I just wanted to make sure you knew that there IS an easy way to get started saving a bit each month, especially if you've been putting it off until you found the “perfect” or “right” solution. 🙂

Warmly and with big hugs,
Nicole

​PS. Got any other tips for me? I'd love to hear them in the comments!