The Lazy Millionaire: Be Average and Earn Financial Freedom
Are You Tired of the Hustle?
Are you tired of hearing that you need to wake up at 4 AM, start three businesses, and trade crypto just to survive? Good news: You don’t. You can relax. Actually, the most ‘average’ investors usually end up with the most money. This post is your guide on how to be perfectly average, totally safe, and still retire rich with ultimate financial freedom.
The Automatic Secret: Why Willpower Always Fails
So, have you been trying to save manually each paycheck? How has that worked out for you? It probably hasn’t. Willpower will always fail given enough time, but automation doesn’t. Setting up an auto-transfer to your savings or investment account on payday is the single easiest thing you can do. You have two main options: The HR Hack or The Banking Backup. First, you can head to your company’s HR system or talk to a person there. They can help you set up your direct deposit to automatically split your pay. You can have a certain dollar amount or a percentage of your paycheck go straight into your brokerage or savings account before you even see it. If you can’t split your direct deposit, your second option is The Banking Backup: wait for the paycheck to hit your bank account. Then, immediately use your banking app or website to set up a recurring, automatic transfer to your investment accounts. Whatever you choose, automatic is the easiest way to guarantee success. You never miss what you never see.
The Magic of Average Returns: Why Boring Money Wins
So, what should we be buying? Well, the easy—and best—way to invest is to just buy plain index funds. This means buying something like the S&P 500 or a bond fund that tracks the entire bond market. These options are almost always better than trying to pick “winning stocks.” If you buy individual stocks, that’s essentially gambling—you’re putting all your money into one basket. When you buy an index fund, you’ve bought the entire farm. There is no need to worry about an individual stock anymore because you’ve bought the whole US or World market. Make the investing simple: buy it all and leave it at that.
The Sleep Well Factor (The Best Benefit)
So what other benefit do we get out of setting up automatic transfers and investing in index funds? That would be the Sleep Well Factor. This strategy is specifically meant to lower your stress by making it one less thing you worry about every day. The daily markets won't matter because you are leaving your money alone in the background. You get to live your life, you have fun, and the background "robots" build your wealth for you.
The Coffee vs. Compounding Calculator
How much could you gain by starting today? Let's look at a simple real-world example. Imagine Person A, The Trader, who tries to day trade and chases the latest trends. They get inconsistent results, high stress, and often lose money to fees. Now imagine Person B, The Lazy Millionaire. This person simply sets up an automatic $100/month transfer into a broad, boring index fund and forgets it. Assuming an average 7% annual return, Person B will have over $150,000 after 30 years. You don't need to be a genius to beat the traders. You just need to be consistent.
Final Takeaway: Your Next Step
The power of being safe and average is that it tells Gen Z that it’s okay to be normal. It removes the fear of needing to be a financial expert.
Your only assignment is this: Go to your HR portal or banking app today and set up that automatic transfer. Choose your target percentage, pick one simple index fund, and let the robots do the work.
That's how you build F-You Money and buy yourself ultimate freedom.
