After looking under the financial hood of 100’s of families, I bet I know your current savings strategy (because we all do it the same).

Tell me if this is you…

1. Your paycheck goes to your checking. 
2. You pay your credit card, mortgage, etc.  
3. The leftover cash accumulates in your checking account
4. Months go by and then you notice the large pile of cash 
5. You shuffle an arbitrary amount into savings
6. Rinse and repeat

The problem with this technique is that your checking account is the Hawaiian beach resort for your money. While your cash is in there, it’s just sittin’ in a lounge chair sippin’ Mai Tais, not lifting a finger to work for you. 

And when you only dump into the market twice a year, you run the risk of unlucky timing.

If that describes you, then let me introduce you to the Financial Zen Surplus Savings Strategy.

1. Establish your baseline monthly spending (i.e. $15k/mo)
2. Put that baseline into checking. It’s now your floor.
3. Pile up your paychecks into the same checking account each month.
4. Pay your bills, etc.
5. On the 1st of every month, move every penny over your baseline into your long-term portfolio.

You’ll dollar cost average into the market and your money will spend less than a month freeloading.