Good morning Reader,

I make automatic regular contributions to our retirement at the start of each month and, sometimes, you get days where you invest and the market drops 0.70%. (which the S&P did yesterday)

If you've ever felt the twinge of annoyance (or more) at the market dropping the day you make a contribution, remember this - investing is a long game.

In fact, it's a Loser's Game.

Avoiding mistakes is the whole game:

• Making regular contributions is more important than when you make them.
• Making them before a drop that you can't predict - that's not a mistake.
• You are avoiding the mistake of not investing and saving enough, which far too many Americans make.

If you've read this far - just as you shouldn't be bummed about a small drop, don't get too excited about jumps either. The market is set to go up today because of the Google anti-trust ruling... but we just keep on saving.

Have a great day!

​(View this email as a webpage)​

📦 Amazon Ending Invitee Program

Years ago, you could invite someone to use your Prime benefits under the Invitee program.

As of October 1st, those freeloaders will have to get their own accounts as Amazon takes a page from Netflix.

​👉 I explain on Instagram​

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🔮 Playing with Kubera

​Kubera is a net worth tracking tool for high net worth individuals and one I've been playing with the last few days.

​We reviewed Kubera a short time ago (the date on the article is when it was updated, not when we initially reviewed it), I had trouble getting over the $249 price tag.

But the more I've used it, I can see how its features suit high net worth individuals who have a more complicated situation to track and measure.

If you've felt that tools like Empower (free) or Monarch Money ($100/yr) were insufficient - look at Kubera. There's a 14-day free trial.

​👉 Learn more about Kubera​

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🛒 Smart shopping tips

For many families, food is one of the biggest monthly expenses. But with a little strategy, you can eat well without overspending. Small changes can add up to hundreds of dollars saved every year.

Here are some tips:

​👉 Spend Less on Groceries: Smart Shoppers Swear By These 20 Tricks​

(if you like the article, make sure you follow us on MSN!)

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What did you think of today's email?​
✅ I Loved It! 🟨 It Was Okay ❌ Not My Favorite​

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Talk to you soon!

Jim

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PS. The best ways to use your points it by taking advantage of transfer bonuses from loyalty program to loyalty program. I try to keep track of the active transfer bonuses here. When influencers claim to get super expensive flights for few points, they do this and scour the reward calendars.

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​(see archive of previous emails)​