3231: 6 Ways to Turbocharge Your Savings by J. Money of Budgets Are Sexy on Money Mindset and Financial Goals

Optimal Finance Daily - Financial Independence and Money Advice

Optimal Living Daily LLC

Investing, Business, Education, Self-improvement

4.4 • 1.3K Ratings

🗓️ 31 July 2025

⏱️ 10 minutes

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Summary

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3231: J. Money shares six unconventional yet powerful ways to supercharge your savings by tweaking everyday habits, like rounding up payments, banking “spavings,” and doing no-spend challenges. These bite-sized strategies not only build wealth steadily but also help reshape your mindset around money, time, and self-discipline. Read along with the original article(s) here: https://budgetsaresexy.com/6-ways-to-turbocharge-your-savings/ Quotes to ponder: "Whatever your monthly payment is, just round up to the nearest $10th and kill off a little extra debt without even noticing it!" "You might not have paid full price for the item, but you’re still very much spending money vs saving since nothing actually went INTO your savings account!" "The idea is to spend only on the necessities of life for a month, and then resist from spending money on the 'wants.'" Episode references: 75 Hard Challenge: https://andyfrisella.com/pages/75hard-info Acorns App: https://www.acorns.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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1:02.7	This is Optimal Finance Daily.
1:08.5	Six Ways to Turbocharge Your Savings by JMoney of Budgets Are Sexy.com.
1:16.1	Here are a handful of things I do or did that have really impacted our finances over the years.
1:19.3	Check them out and see if any of them are worth testing.
1:23.1	Number one, rounding up debt payments.
1:31.0	Whatever your monthly payment is, just round up to the nearest $10th dollar and kill off a little extra debt without even noticing it.
1:35.3	This works so well for credit cards, car loans, or even mortgages.
1:40.1	Or if you really want to step up your game, round up to the nearest $100th.
1:45.3	We've probably shaved off at least a year or two of payments doing this and it makes it a bit easier to budget too if you prefer using whole numbers versus exact
1:50.3	numbers number two rounding up investments similarly if you get into the habit of
1:57.6	rounding up your monthly investments they'll only compound that much faster.
2:02.3	And if you really want to speed things up, use apps like acorns, which will automatically
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