{"id":1578,"date":"2025-07-25T02:42:30","date_gmt":"2025-07-25T02:42:30","guid":{"rendered":"https:\/\/www.bearsavings.com\/blog\/?p=1578"},"modified":"2025-07-25T02:42:32","modified_gmt":"2025-07-25T02:42:32","slug":"how-to-build-your-first-10k-for-investing","status":"publish","type":"post","link":"https:\/\/www.bearsavings.com\/blog\/how-to-build-your-first-10k-for-investing\/","title":{"rendered":"How to Build Your First 10k for Investing"},"content":{"rendered":"<div style=\"margin-top: 0px; margin-bottom: 0px;\" class=\"sharethis-inline-share-buttons\" ><\/div>\n<p class=\"wp-block-paragraph\">A pot of gold is the first meaningful amount of money you save with the specific intention of using it to invest.\u00a0For example, your first $1,000, $5,000, or $10,000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It does not matter how much you have in your pot.&nbsp;What matters is that you have a starting point, a foundation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The first pot of gold is the mental bridge that separates people who have money from those who want money.&nbsp;It is a state of mind, a \u201cthis is real\u201d moment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A pot of gold is your ticket to financial freedom.&nbsp;It is the seed that can compound, grow, and become a business, a property portfolio, or a million-dollar portfolio.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.bearsavings.com\/blog\/how-to-build-your-first-10k-for-investing\/#Why_Most_People_Struggle_to_Build_It\" >Why Most People Struggle to Build It<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.bearsavings.com\/blog\/how-to-build-your-first-10k-for-investing\/#Step_1_Set_a_Clear_and_Motivating_Goal\" >Step 1: Set a Clear and Motivating Goal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.bearsavings.com\/blog\/how-to-build-your-first-10k-for-investing\/#Step_2_Know_Your_Target_Number\" >Step 2: Know Your Target Number<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.bearsavings.com\/blog\/how-to-build-your-first-10k-for-investing\/#Pot_Size_Ideal_Use_Case\" >Pot Size Ideal Use Case<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.bearsavings.com\/blog\/how-to-build-your-first-10k-for-investing\/#Step_3_Audit_Your_Current_Finances\" >Step 3: Audit Your Current Finances<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.bearsavings.com\/blog\/how-to-build-your-first-10k-for-investing\/#Time_for_a_financial_review\" >Time for a financial review.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.bearsavings.com\/blog\/how-to-build-your-first-10k-for-investing\/#Step_4_Make_Room%E2%80%94Fast_and_Simple_Ways_to_Save\" >Step 4: Make Room\u2014Fast and Simple Ways to Save<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.bearsavings.com\/blog\/how-to-build-your-first-10k-for-investing\/#Quick_Wins\" >Quick Wins:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.bearsavings.com\/blog\/how-to-build-your-first-10k-for-investing\/#Step_5_Automate_Your_Savings\" >Step 5: Automate Your Savings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.bearsavings.com\/blog\/how-to-build-your-first-10k-for-investing\/#Step_6_Stack_Your_Income\" >Step 6: Stack Your Income<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.bearsavings.com\/blog\/how-to-build-your-first-10k-for-investing\/#Ideas\" >Ideas<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.bearsavings.com\/blog\/how-to-build-your-first-10k-for-investing\/#Step_7_Keep_Your_Pot_Separate\" >Step 7: Keep Your Pot Separate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.bearsavings.com\/blog\/how-to-build-your-first-10k-for-investing\/#Step_8_Visualize_the_Power_of_Compounding\" >Step 8: Visualize the Power of Compounding<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.bearsavings.com\/blog\/how-to-build-your-first-10k-for-investing\/#Step_9_Start_Investing_Even_Before_You_Hit_Your_Target\" >Step 9: Start Investing Even Before You Hit Your Target<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.bearsavings.com\/blog\/how-to-build-your-first-10k-for-investing\/#Step_10_Reinvest_and_Scale\" >Step 10: Reinvest and Scale<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.bearsavings.com\/blog\/how-to-build-your-first-10k-for-investing\/#Real-World_Example_How_I_Saved_My_First_10000\" >Real-World Example: How I Saved My First $10,000<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.bearsavings.com\/blog\/how-to-build-your-first-10k-for-investing\/#Common_Pitfalls_to_Avoid\" >Common Pitfalls to Avoid<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.bearsavings.com\/blog\/how-to-build-your-first-10k-for-investing\/#Final_Thoughts_Your_Pot_of_Gold_Is_the_Key_to_Everything\" >Final Thoughts: Your Pot of Gold Is the Key to Everything<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Most_People_Struggle_to_Build_It\"><\/span>Why Most People Struggle to Build It<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Most people never build their first pot of gold because they are missing two things:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>They have no system for saving consistently<\/li>\n\n\n\n<li>They have no clearly defined purpose\/goal for their money<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You need to tackle both issues if you want to build your first pot of gold.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_1_Set_a_Clear_and_Motivating_Goal\"><\/span>Step 1: Set a Clear and Motivating Goal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Saving for the sake of saving does not work.\u00a0Most savings plans do not work because you give your savings a generic name:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u201cSave money for the future\u201d<\/li>\n\n\n\n<li>\u201cPut money in a savings account\u201d<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You need to name your goal and give it purpose.&nbsp;This is critical to give you direction and make it personal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pick a goal that means something to you right now.&nbsp;It is important that you can verbalize and write down exactly what it is that you will do with that money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Example:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u201cI want to save $5,000 so I can buy my first ETF\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cI will save $10,000 to open my first brokerage account and start dividend investing\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cI will use this pot of gold to fund my down payment or a REIT\u201d<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_2_Know_Your_Target_Number\"><\/span>Step 2: Know Your Target Number<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A common question is: How big should my first pot of gold be?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s answer that.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here are some common first pots of gold amounts and what you can do with them.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pot_Size_Ideal_Use_Case\"><\/span>Pot Size Ideal Use Case<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">$1,000 Open a robo-advisor or start buying index funds<br>$5,000 Start direct stock investing or buy ETFs<br>$10,000 Combine ETFs with REITs or start a dividend portfolio with dollar-cost averaging<br>$25,000+ Start looking at real estate syndicates, angel investing, and a wider portfolio<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The range for starting out, $5,000\u2013$10,000 is a great place to land.&nbsp;It is within reach and is a meaningful amount.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_3_Audit_Your_Current_Finances\"><\/span>Step 3: Audit Your Current Finances<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To start building, you need to know your current situation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Time_for_a_financial_review\"><\/span>Time for a financial review.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Asking yourself the following questions can help:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>What is your monthly income (after tax)?<\/li>\n\n\n\n<li>What are your fixed expenses (housing, transport, debt payments, etc.&nbsp;)?<\/li>\n\n\n\n<li>What are your variable expenses (food, entertainment, shopping, subscriptions)?<\/li>\n\n\n\n<li>How much money are you saving, if any, each month?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Tools that can help:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>BearSavings <a href=\"https:\/\/www.bearsavings.com\/tools\/savings-tracker\/\" title=\"Savings Tracker\">Savings Tracker<\/a><\/li>\n\n\n\n<li>Mint or YNAB<\/li>\n\n\n\n<li>Spreadsheets<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">All your potential pots of gold are already in your paycheck.&nbsp;You just need to reroute them to savings.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_4_Make_Room%E2%80%94Fast_and_Simple_Ways_to_Save\"><\/span>Step 4: Make Room\u2014Fast and Simple Ways to Save<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Building a pot of gold requires positive cash flow.\u00a0In other words, you need to consistently have more income than expenses.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quick_Wins\"><\/span>Quick Wins:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Audit your subscriptions, apps, memberships, and memberships you signed up years ago.\u00a0Cancel or pause the ones you rarely use<\/li>\n\n\n\n<li>Cut down on eating out\u2014make it fun to cook at home with themed dinner nights<\/li>\n\n\n\n<li>Cancel autopayments (gym, software, donation pledges you forgot about)<\/li>\n\n\n\n<li>Refinance or negotiate bills (phone, insurance, rent)<\/li>\n\n\n\n<li>Use cashback and deal apps (ShopBack, Rakuten, Honey)<\/li>\n\n\n\n<li>$10\/day = $300\/month = $3,600\/year in your pocket.&nbsp;That can be the seed of your pot.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_5_Automate_Your_Savings\"><\/span>Step 5: Automate Your Savings<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Set up a recurring transfer from your salary account to your pot of gold.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can start small:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$50\/month = $600\/year<\/li>\n\n\n\n<li>$200\/month = $2,400\/year<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">It does not matter how small if it is consistent.&nbsp;It is better to save $100 per month for 12 months than save $1,200 and stop.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_6_Stack_Your_Income\"><\/span>Step 6: Stack Your Income<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Saving is great.\u00a0But sometimes you need to go further and increase your income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ideas\"><\/span>Ideas<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sell unused stuff: Old gadgets, furniture, clothes, books, sports gear, etc.<\/li>\n\n\n\n<li>Freelance, hustle, pick up an extra shift<\/li>\n\n\n\n<li>Use your talents: Teaching, consulting, app development<\/li>\n\n\n\n<li>One-time jobs: Pet sit, babysit, survey, Airbnb, driving<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Time is your friend.&nbsp;$500\u2013$1,000 a month extra over 3\u20136 months can be a pot in itself.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_7_Keep_Your_Pot_Separate\"><\/span>Step 7: Keep Your Pot Separate<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s a psychological trick, but if your money to invest is in the same place as your spending money, you will eventually touch it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So what can you do?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Set up a dedicated high-interest savings account<\/li>\n\n\n\n<li>Brokerage accounts can also be a \u201cholding bay\u201d until you deploy capital<\/li>\n\n\n\n<li>Digital envelopes or sub-savings goals on apps like Monzo, Revolut<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Visually seeing your pot separate and grow is a big psychological boost.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_8_Visualize_the_Power_of_Compounding\"><\/span>Step 8: Visualize the Power of Compounding<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Saving $10 a day and investing it at a 7% average return. Owning a home is compounding a chunk of cash at high returns.\u00a0The opposite is also true.\u00a0Letting $10,000 \u201csit\u201d in a savings account for years is a big lost opportunity.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_9_Start_Investing_Even_Before_You_Hit_Your_Target\"><\/span>Step 9: Start Investing Even Before You Hit Your Target<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Investing small amounts early and consistently is better than waiting.\u00a0You do not need to wait to reach your target to start.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ideas to start investing small:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ETFs like VTI, SPY, or QQQ<\/li>\n\n\n\n<li>Robo-advisors like Betterment, StashAway, Syfe<\/li>\n\n\n\n<li>Micro-investing apps like Acorns or Revolut<\/li>\n\n\n\n<li>Fractional shares through platforms like Public or Interactive Brokers<\/li>\n\n\n\n<li>Investing before or as you save gives you real-world experience and momentum.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_10_Reinvest_and_Scale\"><\/span>Step 10: Reinvest and Scale<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Once you have a pot of gold, your next goal is to use it and grow it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To do this, you should focus on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reinvesting all of your gains (dividends, interest, profits)<\/li>\n\n\n\n<li>Gradually increasing your contributions<\/li>\n\n\n\n<li>Avoiding withdrawals, or making them planned<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The goal is to move from saving mode to building a wealth flywheel.&nbsp;Make your first pot self-growing.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your portfolio can later diversify into:<\/li>\n\n\n\n<li>Individual stocks<\/li>\n\n\n\n<li>REITs<\/li>\n\n\n\n<li>Index funds<\/li>\n\n\n\n<li>Real estate<\/li>\n\n\n\n<li>Business investments<\/li>\n\n\n\n<li>Alternative assets<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">But first, you need the pot.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Real-World_Example_How_I_Saved_My_First_10000\"><\/span>Real-World Example: How I Saved My First $10,000<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">I did not have a first pot of gold when I started working.\u00a0My first real job had a decent salary but my expenses were unconsciously large and \u201cautomatic\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I made a plan to build my first $10,000 pot of gold in 12 months.&nbsp;Here is what I did.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Set up a separate high-interest savings account<\/li>\n\n\n\n<li>Automated $500 into it every month<\/li>\n\n\n\n<li>Sold a bunch of unused things (~$1,000 in 2 months)<\/li>\n\n\n\n<li>Started an English online tutoring gig for $300\/month<\/li>\n\n\n\n<li>Cut my restaurant meals by 50%.&nbsp;Recorded every expense<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In 11 months, I had $10,400 in that account.&nbsp;I used it to open a brokerage account, buy my first ETFs, and so on.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The important part was the momentum of my first pot of gold, the confidence it gave me.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Common_Pitfalls_to_Avoid\"><\/span>Common Pitfalls to Avoid<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Waiting for the \u201cperfect\u201d time or conditions to start<\/li>\n\n\n\n<li>Thinking small amounts don\u2019t matter (they do)<\/li>\n\n\n\n<li>Allowing your savings to be nibbled away by lifestyle creep<\/li>\n\n\n\n<li>Trying to overcomplicate things<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Remember, it is more important to point yourself in the right direction than to try and be perfect from the start.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Final_Thoughts_Your_Pot_of_Gold_Is_the_Key_to_Everything\"><\/span>Final Thoughts: Your Pot of Gold Is the Key to Everything<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You do not need to be wealthy to start investing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The key to getting rich is creating a set of habits that forces you to prioritize saving and investing, starting with that first pot of gold.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Saving and growing your first $5,000 or $10,000 and investing that money gives you a ton of confidence.&nbsp;Confidence that you can repeat it in the future.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Confidence is the seed from which the money tree will grow.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you have not started yet, start today.&nbsp;It does not matter if you can only save $5 a day or $500 a month.&nbsp;It is better than zero.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A pot of gold is the first meaningful amount of money you save with the specific intention 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