Regardless of whether you legit spend all your wages on essentials or because you really just don’t want to cut back on those discretionary expenses, if you're having trouble finding money to invest, we've got 2 ways to solve this.

The first is to use credit cards responsibly to take advantage of cash back. Credit cards aren't bad if you pay them off every month. There are no fees or interest when you don't carry a balance, and you earn money for spending in different categories. 

The other way is to invest your tax refund instead of using it as bonus spending money. 

If you combine these two things (based on the average American's spending and earnings), you can turn that money into over $600k in 30 years. The other option is to cut back on $300 worth of spending each month. 

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

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