It’s estimated that the average adult makes around 35,000 each day. But your investments don’t need to be one of them.

Let me explain:

Automatic investing is where you set up recurring transfers from your bank account into a taxable a brokerage account or a retirement account (like a Roth IRA, traditional IRA).

You choose the amount. You choose the date. Then the money moves automatically. Weekly, biweekly or monthly. Whatever works best for you and your schedule.

Easy, right?

It’s designed to take the guesswork out of investing

Instead of trying to time the market, or waiting for the right time to invest, you’re investing on a consistent schedule. No brainpower required.

This can be especially helpful if you’re trying to hit a specific goal like maxing out your IRA for the year.

For example, in 2025 the maximum IRA contribution limit is $7,000 per year. If you break that down monthly ($7,000 / 12) its comes out to only $583 per month.

Breaking it up into smaller, regular deposits makes it easier to stay on track.

And it saves time

Instead of spending time and energy deciding when or how much to invest every month, you can focus on other things — like your family, your work, or just enjoying life.

But it’s not just about convenience

Automatic investing is also a smart strategy called dollar-cost averaging.

All that means is you invest a fixed dollar amount on a regular basis (e.g., monthly), regardless of the market's current price. When prices are high, you buy fewer shares. When prices are low, you buy more.

Over the long term, this can help lower the average cost of your investments and reduce the emotional ups and downs that come with trying to time the market.

It also encourages discipline

Because here’s the thing: if you say you’ll invest “whatever’s left” at the end of the month, there’s a good chance there won’t be much left.

By automating your investments, you’re treating them like a priority — not an afterthought.

So now, the next time you think about how to build wealth steadily over time, remember: automation isn’t just a tech feature. It’s a powerful habit.

And it could make a big difference in your financial future.

—Darrell