How I Started Investing with Just $100 a Month — And You Can Too

If you think you need a fortune to start investing, let me let you in on a secret: I began with just $100 a month. No trust fund, no Wall Street connections—just a little discipline, a dash of curiosity, and inspiration from the world’s greatest investor, Warren Buffett. If a teenager from Omaha could turn a few dollars into billions, why couldn’t I start small and see where it led?

Here’s my story — and how you can start your own, no matter your age or income.

The Day I Decided to Start Small

It all began with a question: How do people actually build wealth? I’d always assumed you needed thousands to get started. But then I read about Warren Buffett’s first investment—just three shares at age 11. He didn’t wait for the “perfect moment” or a giant windfall. He started with what he had and let time do the heavy lifting.

That’s when I realized: Consistency beats size. So I set a goal—$100 a month, every month, no excuses.

How I Found My First $100

Let’s be real—finding an extra $100 can feel impossible. But small changes add up fast. Here’s how I made it work:

• Cut one streaming service: Goodbye, endless reruns ($15/month saved).

• Packed lunch twice a week: Homemade sandwiches > takeout ($40/month).

• Brewed coffee at home: Sorry, fancy café ($20/month).

• Tweaked my energy habits: Turning off lights and unplugging gadgets ($25/month).

Suddenly, I had my $100. And trust me, you can find yours too.

Automating My Investments: Set It and Forget It

The next step was making investing a habit, not a chore. I set up an automatic transfer from my checking account to my investment account every month. This way, I never “forgot” to invest—and I wasn’t tempted to spend the money elsewhere.

I also enabled automatic investments in index funds and ETFs, following the advice of Buffett and other legends. No guesswork. No stress. Just steady, reliable growth.

The Magic of Compound Growth (AKA: My Money’s Secret Superpower)

Here’s where the real surprise hit me: Even small investments can snowball into something big. Thanks to compounding, my money started earning returns—and then those returns earned more returns.

Let’s break it down:

• Invest $100/month for 30 years at a 6% return: You’ll end up with about $98,000—even though you only put in $36,000 yourself.

• Bump the return to 12% (optimistic, but possible): Now you’re looking at over $300,000!

The earlier you start, the more you benefit. That’s why Buffett is so rich—he started young and never stopped.

My Simple Investment Strategy (And Why It Works)

I didn’t try to pick the next Tesla or time the market. Instead, I focused on what works:

• Index Funds & ETFs: Broad diversification, low fees, and steady long-term growth.

• Dollar-Cost Averaging: Investing the same amount every month, no matter what the market’s doing. This helps smooth out the highs and lows.

• Reinvesting Dividends: Letting every dollar work harder for me.

• Reviewing Once a Year: No need to obsess over every market move.

And to keep things even simpler, I created Savvport.com. An easy-to-use platform and AI-powered discovery tool that helped me find smart investment ideas, compare strategies, and track my progress.

The Power of Staying Consistent

There were months when the market dropped and my investments looked like a bad joke. But I remembered Buffett’s golden rule: Be fearful when others are greedy, and greedy when others are fearful. I kept investing, rain or shine.

• Consistency beats timing: The market’s best days often follow the worst. By staying in, I caught the rebounds.

• Small habits, big results: Automating my $100 investment made it painless — and watching it grow became addictive.

What I Learned Along the Way

• Start now, not “someday.” Time is your greatest asset.

• You don’t need a lot — just consistency. $100 a month is enough to build serious wealth.

• Automate everything. Remove the temptation to skip a month.

• Use the right tools. Platforms like Savvport.com make investing easy, even for beginners.

• Stay curious. Read, learn, and adapt as you go.

My “Rich Overnight” Fantasy

I’ll admit, I once Googled “how to get rich quick.”

Real deal is: unless you win the lottery or invent the next viral app, real wealth takes time. But watching my investments grow — slowly at first, then faster — became its own kind of thrill. And unlike my fantasy football team, my portfolio actually improved every year.

You Can Do This — Here’s How to Start Today

1. Find your $100: Cut a few expenses or pick up a small side gig.

2. Open an investment account: Look for low-fee options.

3. Automate your contributions: Set it and forget it.

4. Choose index funds or ETFs: Diversify and keep costs low.

5. Stick with it: Through ups, downs, and everything in between.

6. Let Savvport.com help: Discover smart strategies, track your growth, and learn from legends like Buffett—all in one place.

Final Thoughts

If an ordinary person like me can start investing with just $100 a month, so can you. The secret isn’t luck or genius — it’s starting small, staying consistent, and letting time work its magic. Your future self will thank you.

Ready to take that first step? Your $100 journey starts today — with a little help from Savvport.com, and a lot of inspiration from the world’s greatest investors.