Automatic Investments

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Hey Coach,

Why Coaches Struggle to Save Consistently

Life as a coach is busy. Between practices, games, scouting, and family, it’s easy to push money management to the bottom of the list.

That’s why most coaches struggle to stay consistent with investing—it always feels like something you’ll “do later.”

But here’s the truth:
👉 Consistency is the most powerful wealth-building habit.
👉 The best way to stay consistent? Automate it.

What Are Automatic Investments?

Automatic investments = setting up your accounts to pull money into your investments every month (or paycheck) without you lifting a finger.

It’s like putting practice drills on autopilot. Once the system is in place, the work gets done whether you’re paying attention or not.

Benefits of Automatic Investments

✅ Discipline Without Effort
You don’t have to “decide” to save each month—it happens automatically.

✅ Dollar-Cost Averaging
Investing the same amount regularly smooths out the ups and downs of the market. Sometimes you’ll buy high, sometimes low—but over time, you build steady growth.

✅ Time Freedom
More energy for coaching and family. Less stress about “Did I remember to invest this month?”

✅ Builds Wealth Quietly
Small contributions add up faster than you think. $200/month invested automatically could grow to over $250,000 in 30 years at 8% growth.

How Coaches Can Set It Up

1. Through Your 403(b):
   Most schools allow automatic payroll deductions straight into your 403(b). Adjust your contribution percentage, and it flows in before you even see it.

2. Roth IRA or Traditional IRA:
   Most brokers (Vanguard, Fidelity, Schwab, etc.) let you set up recurring transfers from your bank account. You choose the date, amount, and which fund to buy automatically.

3. Taxable Brokerage Account:
   Even outside retirement accounts, you can automate monthly investments in index funds or ETFs.

4. Side Income (Camps, Clinics, Stipends):
   If your income isn’t predictable, you can still automate part of it—like setting up transfers whenever deposits hit your checking account.

Coaching Analogy

Automating investments is like running your program’s offseason workouts. You don’t rebuild culture in one big practice—it happens by showing up consistently.

Automatic contributions = showing up for your financial future, even when life is busy.

📝 Coach’s Challenge This Week

Pick ONE account (403(b), Roth IRA, or brokerage) and set up an automatic transfer. Even $50/month counts.

You’ll be amazed how quickly consistency builds confidence.

👉 Forward this to a coach who still “means to start investing.”
Automation is the play that makes sure it actually happens.

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See you next week,

Coach Mike Klinzing
Founder, Wealth4Coaches
"Coach smarter. Save better. Live freer."

#Wealth4Coaches #CoachSmarter #CoachMoney

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