Dollar-Cost Averaging

Hey Coach,

You know consistency wins games - showing up to practice every day, running your sets, sticking to the plan.

But when it comes to investing? Too many coaches try to “time the market.”
👉 They wait for the “perfect moment” to buy.
👉 They panic when prices fall.
👉 They guess instead of sticking to a system.

The problem: nobody can consistently outguess the market. The solution? Dollar-Cost Averaging.

What Is Dollar-Cost Averaging (DCA)?

Dollar-Cost Averaging = investing the same amount of money at regular intervals - no matter what the market is doing.

Example:

• You invest $200 on the 1st of every month.

• Sometimes you buy when prices are high, sometimes when they’re low.

• Over time, you average out your costs.

The result: you reduce risk, avoid bad timing, and build wealth steadily.

Why Dollar-Cost Averaging Works

✅ Removes Emotion
No more “Should I buy now?” questions. The decision is automatic.

✅ Buys More on the Dip
When prices fall, your fixed dollar amount buys more shares.

✅ Smooths Out Volatility
Instead of gambling on timing, you ride the market’s long-term upward trend.

✅ Builds Discipline
Consistency creates habits. Habits build wealth.

Coaching Analogy

Think of Dollar-Cost Averaging like conditioning drills.
🏀 You don’t get in shape with one brutal workout.
🏀 You get in shape by running every day - steady, consistent effort.
🏀 Some days feel tough, some days easy, but the results show over time.

Investing consistently = conditioning your wealth to win the long season.

How Coaches Can Use DCA

1. Pick an Amount – Even $50/month makes a difference.

2. Pick a Date – Example: the 1st or 15th of every month.

3. Pick a Fund – Low-cost index funds or ETFs work best.

4. Automate It – Set it and forget it.

📝 Coach’s Challenge This Week

Set up an automatic, fixed-dollar investment (403(b), Roth IRA, or brokerage).

Choose your amount → choose your date → let the system run.
This is the practice plan that never misses a session.

👉 Forward this to a coach who keeps saying, “I’ll start when the market calms down.”
Dollar-Cost Averaging proves there’s never a bad day to start.

Subscribe here → https://wealth4coaches.beehiiv.com/subscribe

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