Automate the Big Wins

Once you've optimized your Big Three expenses, lock the savings in with automation. Small amounts compound into real money when the habit runs itself.

• Salary raise — auto-transfer the difference to investments
• Refinanced car loan — bank the old payment amount
• Switched insurance — auto-save the annual savings

A $200/month insurance saving that auto-invests at 7% grows to over $34,000 in ten years — without a single extra decision.