A richer life is built by small monthly investments in your money, your relationships, your health and your growth, because progress you can see every month keeps you going. Big returns in a short time are a gamble. The case made here is that a rich life is also about everything between the start and the final net worth number, and that skipping the smaller milestones can stop you from reaching the big ones.
Invest just enough to push yourself, track it, and feel the momentum. Here are 15 monthly investments that bring peace of mind, financial security, stronger relationships, less stress and better career opportunities.
Watch the full video here, or skip to the breakdown below.
The 15 monthly investments at a glance
- Save 20% of your income for a 6-month emergency fund (0:59)
- Use a 4% high-interest account (2:03)
- Reach out to one career contact a month (2:56)
- Launch one side project (4:17)
- Use tools that build your knowledge and net worth (5:21)
- Schedule a monthly check-in with the people who matter (8:07)
- Plan 5 healthy meals every week (9:09)
- Exercise three days weekly (10:02)
- Meditate for 10 minutes a day (10:51)
- Spend one day a month on a new hobby (11:30)
- Set one monthly growth goal (12:21)
- Journal three times weekly (13:23)
- Read one book a month (14:21)
- Declutter one room every month (15:14)
- Review your monthly goals and adjust (16:06)
1. Save 20% of your income for a 6-month emergency fund
Life does not care about your plans, and emergencies happen. Having six months of living expenses saved is your protection from chaos, and saving 20% of your income is how you get there.
People who save money are happier, the script points out, so you end up richer in your bank account and in your life satisfaction too. More control means more freedom.
Cancel a subscription, skip the luxury buys, and do whatever it takes to hit that 20%.
You either prepare now or pay for it later.
2. Use a 4% high-interest account
Money is a terrible master but an excellent servant, so put it to work. If your savings are not growing, you are leaving money on the table.
A high-yield savings account is the easiest, laziest way to make more from what you already have. Find a decent rate, deposit, and let it grow. The returns may look small, but interest compounds, and you earn more by doing nothing extra.
3. Reach out to one career contact a month
Skills only take you so far. Relationships open doors, and a good network can make you richer, happier and healthier. A sociologist found that a diverse network helps people thrive on salary, promotions and even running a successful business.
This is not mass messaging strangers. It means meeting the right people at workshops, industry events and conferences, then staying in touch because you enjoy people who share your interests and goals.
One contact a month is enough. Do not wait until you need something to reach out, because by then it is too late and it feels tacky from every side.
Put in the effort, one person at a time.
4. Launch one side project
Relying on one income is like walking through a snowstorm in shorts and a t-shirt. You need a coat, gloves and a hat, which here means another stream of income.
It does not have to be revolutionary. A freelance gig, a product or a service is enough to break the idea that your paycheck is your only option. Waiting for the perfect moment is just an excuse, so put the wheels in motion.
The extra money can fund bigger goals or simply make you feel less stressed about your finances.
5. Use tools that build your knowledge and net worth
Investing goes beyond stocks and bonds. New tools and platforms level the playing field, because the wealthiest people have long spread their money across alternative and luxury assets such as real estate and art collections.
In a Bank of America survey of multi-millionaires, 83% of respondents said they own art or would like to.
The point is to stop thinking short-term and spread your investments across different avenues. By learning as you invest, you grow your net worth and your understanding at the same time. You might not be an expert now, but you become one by trying.
This is not a game for the lazy.
6. Schedule a monthly check-in with the people who matter
Some people will always be important to you. They support you, know you well, and make you a better version of yourself. Life gets busy, but these relationships need work.
A monthly check-in is an easy, even fun way to do it. Send a message, call, or grab coffee. It does not need to be long.
Checking in builds trust and keeps relationships strong when life gets hectic. Small, consistent actions produce the best relationships.
7. Plan 5 healthy meals every week
You would not put cheap fuel in a luxury car, so why do it to your body? You do not need to eat perfectly, but healthy meals most of the time make a massive difference.
Without a plan, you grab junk food, eat it, and wonder why you feel tired and unmotivated. Fifteen minutes on a Sunday morning is enough to stop that flood before it comes.
The payoff is more energy, a better mood, and no cycle of highs and crashes.
8. Exercise three days weekly
Take care of your body, because it is the only place you have to live. Movement is how, and the aim is energy as much as fitness.
You do not need the gym every day. A brisk walk, yoga or anything you enjoy, three times a week, will do. Once it is a habit you feel better physically and mentally: energy rises, focus sharpens and stress drops.
Schedule it into your week like an important meeting, because it is one.
9. Meditate for 10 minutes a day
Your mind is like any other muscle and needs training to stay sharp. Ten minutes of meditation a day can improve your focus and calm, and leave you feeling less overwhelmed and more in control.
It does not need to be complicated. You are giving yourself a few moments to breathe and reset. Over time you become more centred and less reactive.
The busier you are, the more you need it.
10. Spend one day a month on a new hobby
Routine can feel like a rut, and creativity suffers. One day a month on something different, such as painting, an instrument or gardening, gives your brain something new to chew on.
Ideas start flowing more freely in other areas of your life too. Even small things stretch your mind in ways you would not expect.
Think of it as hitting the reset button.
11. Set one monthly growth goal
Set a goal, set the stage. A small goal you can finish and cross off within the month gives you something concrete to aim for and builds momentum with every win.
It could be learning a skill, improving a habit or finishing a project. Month by month you become more productive and more confident.
This is about steady progress, not massive leaps. Monthly goals compound, and small consistent efforts lead to significant long-term change.
12. Journal three times weekly
Journaling is like whispering to yourself and listening at the same time. It is one of the cheapest and best tools for managing stress.
Writing things down gives your mind a release valve for the thoughts and worries that clutter it. You do not need to record every thought. Three times a week is enough to work through emotions and stay balanced.
Stress drops and self-awareness grows. You are talking with yourself to gain clarity and perspective, which goes well beyond venting.
13. Read one book a month
The quote runs that a reader lives a thousand lives before he dies, while the man who never reads lives only one. If you want to grow, you need to keep learning.
The biggest benefit of a book a month is exposure to new ideas and ways of thinking, and you will not notice it at first. Then your conversations gain depth, you have more to talk about and you explain yourself more easily.
Over time it makes you a well-rounded, curious person that people love being around.
14. Declutter one room every month
A cluttered space leads to a cluttered mind. Decluttering one room each month brings clarity and calm that extend beyond the room itself, like a mental reset every time.
Productivity rises because the mess no longer distracts you, and it simply feels good to walk into an organised space with no unnecessary stuff.
Month after month the momentum builds until your whole home feels like a place to think, work and relax without stress.
15. Review your monthly goals and adjust
Setting goals is easy. If you do not track progress, you cannot know whether you are moving forward. A monthly review keeps you accountable and shows what is working and what is not.
Each month you can tweak your approach and stop wasting time on things that do not move you closer to where you want to be. Small adjustments make a big difference over time.
Tracking makes your efforts more intentional, and as the months roll on you feel more accomplished and in control.
Bonus: set clear boundaries with work, because without them it takes your time, energy and peace of mind.
Small and monthly beats big and rare
None of these 15 habits needs a huge budget or a big block of time. Each is sized to fit a month, which is exactly why you can feel the progress as it happens.
Pick the two or three that your life needs most, put them on the calendar, and review them at the end of the month. The mix covers money, relationships, health and growth, so a single monthly rhythm improves several parts of life at once.
FAQ
What should you invest in every month besides money?
The script lists your network, your relationships, your health, your focus, your creativity and your knowledge. Examples are one contact reached, one monthly check-in, five planned meals a week, three workouts, ten minutes of meditation daily and one book.
How much should you save for an emergency fund?
The video recommends saving at least 20% of your income toward a fund that covers six months of living expenses.
Why use a high-interest savings account?
It is the easiest way to make more from money you already have. The returns may be small, but interest compounds, so your savings grow without extra effort.
How often should you reach out to your professional network?
One contact a month is enough. The advice is to stay in touch before you need anything, so you are top of mind when opportunities come up.
How do monthly goals help you grow?
A small goal you can finish within a month builds momentum and confidence. Reviewing and adjusting the goals each month shows what works and keeps you accountable.
Keep reading
- 15 Investments Rich People Make The Poor Know Nothing About
- 15 Most Expensive Mistakes You Can Make in Life
- 15 Uncommon Investments That Actually Make a Lot of Money
