Invest $100 a Month for Your Kids’ Million-Dollar Future

Imagine this: If you set aside just $100 a month for the first 21 years of your child’s life, they could become millionaires by the time they’re 40.

Yes, really.

I’m not a financial expert, and I don’t have kids, so there’s no reason I should know this and you don’t. What infuriates me is how many people believe wealth is out of their reach or think they’re incapable of learning how money works. Building wealth is as simple as following a recipe.

And guess what? Opening a brokerage account is barely harder than creating an Instagram profile. It takes minutes: you enter your info, link your bank account, and you’re ready to start investing. The only difference? Instead of wasting time scrolling, you’ll be building generational wealth.

How Does $100 Turn Into Millions?

    1.    Start Small, Think Big

    •    $100 a month = $1,200 a year. Over 21 years, you’ll have contributed $25,200 into an investment account for your child.

    •    If you invest in something like the S&P 500, which represents the biggest 500 companies in the U.S., your money grows with the economy. The S&P 500 is updated regularly—if a company fails, it gets replaced by a stronger one. If the S&P 500 fails, it means the entire economy has collapsed.

    •    Historically, the S&P 500 has delivered an average return of 10% annually. With this kind of growth, your $25,200 becomes $120,000 by the time your child turns 21.

    2.    Let Compounding Work

    •    If you stop contributing at age 21 and let the money grow untouched, it will reach $1.5 million by the time they’re 42.

    •    By the time they’re 53, they’ll have over $5 million.

    3.    Living Off the Interest

    •    At $5 million, your child can live off the interest alone—5% annually means $250,000 per year (before taxes).

What Is Compounding?

Compounding is when your money earns returns, and those returns start earning returns too. It’s the snowball effect of wealth-building. Learn more about how it works here .

Want to see it in action? Use this Compound Interest Calculator to visualize how small contributions grow over time.

Why Aren’t We Taught This?

Our society teaches us how to stay poor. Instead of learning about investing, we’re conditioned to buy liabilities like cars or even college degrees—things that cost money instead of making money.

But investments, like the S&P 500, are assets. They work for you while you sleep. Instead of wasting $100 on fast food, subscriptions, or useless expenses, put it into an account that grows. This isn’t about being rich for the sake of it—it’s about giving your child freedom, stability, and options.

Plan for Their Future, Not Just Their Now

Skip buying them a car or dropping tens of thousands on college tuition. Let the investments pay for college if they want to go. If they don’t, they’ll still have financial security—and options to pursue their passions without debt weighing them down.

Wake Up, People

Why pay for college when your investment can pay for it? Why pay for a car and a home when your investment can pay for it?

Stop dreaming about riches while complaining about being broke. Wake up! $100 a month is all it takes to start building wea

lth for the next generation. This isn’t complicated. Take action, and end the cycle of poverty for good.