The Power of Automatic Monthly Investing
How Discipline Builds Wealth While You Focus on the Bigger Picture
Entrepreneurs and executives are wired to move fast, solve problems, and seize opportunities—but building long-term wealth doesn’t always follow the same pace. That’s where automatic monthly investing comes in. It’s a simple yet powerful habit that takes emotion and timing out of the equation, quietly compounding your capital while you focus on running your business or scaling your career. The beauty lies in consistency: regular contributions, even in volatile markets, allow you to buy more when prices are low and less when prices are high—dollar-cost averaging in action.
Let’s say you invest $2,000 per month for 20 years. Assuming an 8% average annual return, that consistent habit grows to over $1.1 million. Extend that to 30 years, and the value climbs past $2.8 million. That’s not chasing market highs or waiting for the perfect moment—that’s discipline doing the heavy lifting. And these figures don’t even include potential increases in monthly contributions as your income grows. It’s wealth-building on autopilot, engineered to scale with your success.
Beyond the long-term growth, a substantial liquid investment portfolio gives you something even more valuable: optionality. It provides flexibility to fund personal goals—whether that’s launching a new venture, buying real estate, or supporting a family member—without derailing your long-term plan. It also offers a buffer against unforeseen challenges, reducing the need for rushed decisions or debt. For business owners and executives, liquidity isn’t just comfort—it’s control. It ensures you’re not only building wealth but keeping it accessible when it matters most.
For entrepreneurs nearing an exit or executives navigating peak earning years, automatic investing is your financial backstop. It creates a structure around your liquidity, keeps lifestyle creep in check, and ensures you're steadily converting income into long-term wealth. Whether you're planning a transition, reinvesting after a sale, or simply future proofing your lifestyle, the earlier you automate, the more freedom you create. And it's never too late to implement.
We highly encourage entrepreneurs and executives to implement this simple strategy to focus on building long-term wealth. Interested in learning more about long-term wealth strategies, the 4 Pillars of Unbreakable Wealth and Spurstone, click here to schedule a meeting with me. Looking forward to it!
Timothy Golas, Spurstone Partner
Certified Exit Planning Advisor