Saving money sounds easy in theory — but when life hits, bills stack up, and unexpected stuff happens, it can feel impossible.
That’s why this week is all about one thing:
Building savings habits that work even when life gets messy.
Not perfection.
Not discipline.
Just simple systems that keep you moving forward.
🌱 1. Start with “micro-savings”
If saving $50 or $100 feels stressful, start smaller:
$5 every few days
$10 every payday
$20 whenever you get extra cash
Small amounts build trust in yourself — and trust leads to bigger wins.
🧺 2. Use the “separate bucket” rule
Keep your emergency fund in a different account than your checking.
When your savings is “out of reach,” you won’t dip into it for non-emergencies.
🎯 3. Set a weekly goal, not a monthly one
Monthly goals feel big.
Weekly goals feel doable.
Saving $20 a week = $1,040 a year.
And it never feels heavy.
🔄 4. Make savings automatic
Automation removes emotion.
You save without debating it.
It also stops you from “waiting until the end of the month,” when the money magically disappears.
🍃 5. Give yourself permission to adjust
Some months are tight.
Some months are great.
The goal isn’t to save the same amount every time —
it’s to never stop saving.
Even if you cut your contribution in half, you’re still moving forward.
💡 Quick tip of the week
If you get unexpected money (tax refund, bonus, gift, extra paycheck), send 10–20% directly to your emergency fund before you do anything else.
It grows your savings fast without touching your regular budget.
Pick a small amount you can save this week — even $5 or $10 — and move it into your emergency fund.
The habit matters more than the amount.
Crash Expert: “This Looks Like 1929” → 70,000 Hedging Here
Mark Spitznagel, who made $1B in a single day during the 2015 flash crash, warns markets are mimicking 1929. Yeah, just another oracle spouting gloom and doom, right?
Vanguard and Goldman Sachs forecast just 5% and 3% annual S&P returns respectively for the next decade (2024-2034).
Bonds? Not much better.
Enough warning signals—what’s something investors can actually do to diversify this week?
Almost no one knows this, but postwar and contemporary art appreciated 11.2% annually with near-zero correlation to equities from 1995–2024, according to Masterworks Data.
And sure… billionaires like Bezos and Gates can make headlines at auction, but what about the rest of us?
Masterworks makes it possible to invest in legendary artworks by Banksy, Basquiat, Picasso, and more – without spending millions.
23 exits. Net annualized returns like 17.6%, 17.8%, and 21.5%. $1.2 billion invested.
Shares in new offerings can sell quickly but…
*Past performance is not indicative of future returns. Important Reg A disclosures: masterworks.com/cd.