You couldn't do this 15 years ago — now it's costing you a fortune

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You couldn't do this 15 years ago — now it's costing you a fortune
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You couldn't do this 15 years ago — now it's costing you a fortune investinyou (In partnership with acorns.)

Most important, sit down and add up your monthly cost for recurring purchases.

"Make a game of turning your recurring spending into recurring saving, or recurring investing," Kampitsis said. "Instead of having a debt or an expense every month, now you're building an asset." Incremental changes are easier, Kampitsis says. For instance, if you don't ever bring lunch to work, start by prepping your lunch on Sunday night, the easiest way to do it before the week starts. "That's 52 savings opportunities over a year," he said. "Eventually you can make it Monday and Tuesday by prepping two meals on a Sunday."

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