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A Simple Money Hack That Could Make You a Millionaire with Just $100 a Month!

There are lots of simple money hacks that could help you find more money in your budget. And then you can use that money to invest for an awesome financial future.

Read below to find an easy money hack that you can use to potentially save literally hundreds of dollars a month to save for retirement and build your own wealth and future prosperity!


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Note: Do you know that you should be investing but you have been too intimidated or afraid to start? Or have you just been overwhelmed with the options or have meant to but just haven’t gotten around to it yet? Join the free 5-day Invest Your Money Challenge to learn the basics of investing and begin to save for retirement and your (awesome!) future today!

A Simple Money Hack to Become a Millionaire with Just $100 a Month!

Did you know that if you invest just $100 a month in your retirement fund from age 25 to age 65 and earned an annual average rate of return of 11 percent, which is very doable long term, you would have $774,992?! And if you were able to earn an annual average rate of 12 percent, also doable long term with good growth stock mutual funds, you would have $1,030,970! And of course if both you and your spouse saved that amount, you would have over $2 million! Isn’t that $1,000,000 or more worth saving just $100 a month?! It sure is to me! I love the power of compound interest!


Tip: Are you ready to start investing in order to be able to afford to retire someday but are stuck not knowing how or where to invest your money? Then sign up for my start investing cheat sheet below! It walks you through the simple steps of learning how to invest and the types of funds to invest in to be adequately diversified. No strings attached! I don’t make any money by sharing this information; it’s just the kind of thing I wish someone would have told me 15 years ago when we started investing for retirement.

A Simple Money Hack to Save Big Bucks!

One of the easiest ways to trim your monthly budget substantially is to spend less money eating out. And for those who work outside of the home, one of the simplest ways to save money in your monthly budget is to take lunch to work rather than eating out for lunch regularly.

Lunch is a meal that you can keep oh-so-cheap and easy if you choose to! I primarily eat either a peanut butter and jam or ham and cheese sandwich with fruit and carrots, a simple salad, or leftovers for lunch every day at work, so it keeps things very simple and inexpensive.

It is amazing to me how many of my coworkers go to the food court across the street or eat at the lunch cafeteria every day, and yet some of these same (wonderful) people complain that they can’t seem to find money to save or to invest for retirement like they would like to.

There are many things you can do to trim your expenses in order to spend less money, but one of the easiest is to save money eating out and especially save money eating out for lunch at work all the time!

To me eating a simple, cheap meal for lunch every day at work is totally worth it to save the tons of money that we are able to every year by not buying work lunches at the nearby food court or even the cafeteria where I work.

If I bought lunch every workday it would cost over $100 per month (if I bought inexpensive lunches), and it could easily cost $200 a month if I bought more expensive lunches or indulged in the vending machines and things at work regularly. And of course if my husband worked outside the home and did the same thing, it could easily cost over $200 a month for the two of us just for inexpensive lunches.

And while the average American does not eat lunch out every workday, the average American does spend close to $100 a month eating lunch out every month, according to a survey done by Visa a few years ago (which means the number is actually likely higher now).

That means in married households where both spouses work outside of the home, the average American family spends close to $200 a month (or possibly more; again, the survey was a few years ago) eating lunch out.

By bringing an inexpensive lunch every day and investing the saved money in your Roth 401(k) and Roth IRA instead, that money can grow to literally hundreds of thousands and potentially millions of dollars over the years! Learn the 5 simple steps to start investing for retirement today!

Read below to find more than 20 ideas for inexpensive lunches that you can bring to work to save more money!


Note: Are you ready to start investing? Then sign up for the 5-day Invest Your Money, Change Your Life mini course! Learn the basics of investing and how my husband and I choose the mutual funds that we invest in, no strings attached. I don’t make any money from sharing this information. This is just the kind of thing I wish I would have known 15 years ago when we started investing for retirement.

Inexpensive Lunch Ideas to Help You Save Your Money!

Here are more than 20 ideas for inexpensive lunches that you can make and bring from home to work:

1. Peanut butter and jelly, peanut butter and banana, or peanut butter and honey sandwiches

2. Tuna fish sandwiches (with pickle, if desired)

3. Tuna fish and egg salad sandwiches

4. Egg salad sandwiches

5. Lunch meat and cheese sandwiches (with tomato and lettuce or spinach, if desired)

6. Chicken salad sandwiches

7. Grilled cheese (with lunch meat and spinach, if desired) sandwiches and tomato soup

8. Quesadillas (traditional or lunch meat and cheese; add spinach to make them more nutritious)

9. Avocado egg salad sandwiches

10. Bacon, lettuce, tomato, and cheese sandwiches (BLTs)

11. Chicken salad supreme sandwiches

This is a chicken salad sandwich with even more good stuff added, like sesame seeds or peanuts (we generally use the kind we have to shell ourselves, since they are cheaper), chopped grapes, raisins, chopped apples, and dried cranberries.

12. Chicken salad

I tease (but it really is kinda true :-}) that the salad is just the way to get the ranch dressing to my mouth and that the salads that I really like to eat are the ones where I basically turn them into a sandwich. So my favorite chicken salad, for example, has croutons and cheese in addition to my favorite veggies like spinach, tomatoes, broccoli, cauliflower, carrots, and so on.

But whatever you like to put in your chicken salad, you can’t go wrong!

13. Traditional green salad

14. Spinach and strawberry salad

Even though I do not turn this salad into a sandwich :), it is still one of my favorites. All you need are spinach, strawberries, and almonds if you have them on hand (or substitute less expensive seeds or nuts). Here is a simple strawberry spinach salad with tasty homemade dressing:


2 tablespoons sesame seeds
1 tablespoon poppy seeds
1/2 cup white sugar
1/2 cup oil
1/4 cup vinegar
10 oz. fresh spinach, torn into small pieces
4 cups sliced strawberries
1/4 cup slivered almonds

In a mixing bowl, mix the sesame and poppy seeds, sugar, oil, and vinegar.

In another large bowl, combine the spinach, strawberries, and almonds. Pour the dressing over the salad, and toss. Refrigerate 10 to 15 minutes before serving.

15. Avocado tuna melt

If you love avocado and tuna and cheese, you will love avocado tuna melt sandwiches! You can find a simple avocado tuna melt recipe here:


2 5-oz. cans of tuna
3 tablespoons mayonnaise
1 avocado, sliced
4 slices cheddar cheese
8 slices bread
1 tablespoon butter or margarine

Mix the tuna and the mayonnaise. Butter one side of each slice of bread. Place four slices of bread in large frying pan. Spread each slice with 1/4 of the tuna mixture. Add 2 to 4 slices of avocado on each. Place a slice of cheddar cheese on top of avocado for each. Top sandwich with other slice of bread, butter side up.
Cook on medium high heat until bottom of bread is a golden brown, and then carefully flip over to toast the other side until it is also a golden brown and cheese is melted.
For even more goodness, add tomato and spinach or your favorite lettuce.

16. Avocado and chicken salad

This is another simple and tasty avocado dish, and a great option for a cheap meal. All you need for this easy salad are chicken, avocados, lime juice, green onion, and mayo.

2 cups cooked chicken, shredded
2 medium avocados, diced
1 tablespoon + 1 tablespoon fresh squeezed lime juice
salt, to taste
1/4 cup thinly sliced green onion
2 tablespoons mayo

In a large bowl, mix the diced avocado with 1 tablespoon of the lime juice, and season with the salt to taste. Add the chicken and the sliced green onion.
In a small bowl, mix the mayo and the lime juice to make the dressing.
Add the dressing to the chicken mixture, and mix well to coat with the dressing. Sprinkle the other tablespoon of lime juice over the top (or omit, if you want less lime juice).
Serve as is as a salad, or serve inside pita bread or as a sandwich or lettuce wrap.

17. Chicken avocado salad sandwiches

Similar to the cheap meal mentioned just above, here is another tasty chicken avocado salad sandwich recipe:


2 cup cooked chicken, chopped
2 ripe avocados, chopped
2 apples, chopped
1/2 cup celery, chopped
1/2 cup red onion, chopped
2 tablespoons finely chopped parsley
2 tablespoon lemon juice
1 teaspoon salt
dash of pepper
8 slices of bread


In a large bowl, combine the chicken, avocado, apple, celery, and red onion. Gently mash the avocado with a fork and stir it around so that everything is mixed well.

Add the parsley, lemon juice, salt, and pepper. If the mixture seems dry, add a tablespoon of oil.

Spread on sandwich bread, toasted bread, or pita bread.

18. Bacon, lettuce, and tomato wrap

This tasty dish is a simple alternative to regular BLT sandwiches. Simply omit the bread and keep the bacon and tomato, season to taste with salt and pepper, and wrap in large lettuce leaves.

19. Meatball sub sandwich

After a delicious spaghetti dinner, don’t just put that tasty concoction away! Take a few minutes to put some of the meatballs and sauce in a microwave-safe container, grab a couple of pieces of your favorite bread and put them in an airtight bag, and tomorrow you can have a tasty and super quick and easy lunch at work. Just reheat the meatballs, arrange them on the bread, and enjoy!

20. Pasta frittata

The meatballs aren’t the only thing you can repurpose from last night’s spaghetti fest! Making a cheap meal out of pasta frittata is another great way to use up leftovers from spaghetti. All you need are several large eggs, a little oil, some cut up vegetables such as onion and tomatoes and peppers, a couple of cups of chopped spinach, and a little shredded cheese.

8 large eggs
1 tablespoon oil
1/2 cup diced onion
1/2 cup diced tomatoes
1/2 cup chopped peppers
2 cups chopped spinach
4 oz. leftover or cooked pasta (such as penne, elbow, or spaghetti)
1/2 cup shredded cheddar cheese

In a large bowl, whisk the eggs. Add salt and pepper to taste. Set aside.
Heat a large nonstick frying pan over medium heat. Add the oil. Once it is hot, add the onions, and saute them until they are translucent. Add the other vegetables, and cook them until they are slightly softened. Add the spinach and cooked pasta, and cook for 2 more minutes.
Pour the eggs into the pan, and turn the heat up to medium high. Cook the mixture, frequently lifting up the egg so that the uncooked egg flows underneath, until the egg is almost fully set.
Reduce heat to low, cover the pan, and continue cooking until the eggs are fully set. Uncover the pan and turn off the stove. Sprinkle the cheese over the frittata, and then cover the pan again for another minute or two until the cheese is melted.
Loosen the frittata from the pan and slide it onto a large plate. Slice into wedges, and serve.

21. Easy pasta salad

This is another cheap meal that is quick and easy to make. Use leftover pasta and add in some of your leftover vegetables like broccoli, carrots, onions, or spinach. Toss with a little oil, vinegar, and your favorite spices, and you’re set. You can also add chicken, ham, or another meat of your choice to add protein.


This simple money hack is one way that you can find money in your budget to start investing for retirement and an awesome financial future!

Are you ready to start getting serious about investing for your future? Learn how to start investing for retirement here.

You can also find many ideas for how to save money on groceries, meal preparation, and more in the list of related articles below!


Check out these related money-saving articles:

How to Become a Millionaire by Investing Just $200 a Month!
How to Become a Millionaire in 20 Years—Starting from Nothing!
100+ Cheap Meals for When Money Is Tight
42 Cheap and Easy Meals for under $5!
31 Budget-Friendly Easy and Cheap Dinner Recipes
75 Easy Ways to Save Money on Groceries—without Coupons!
5 Cheap Slow Cooker Meals for under $5
7 Simple Steps to Use a Meal Plan to Save Money on Groceries
How to Use a Grocery Item Price Comparison Cheat Sheet to Save (a Bunch of) Money!
19 Top Tips to Save Money Eating Out
Eat Free for Your Birthday!
73 Totally Fun Free and Cheap Activities for Kids!
12 Best Tips to Save Money on Entertainment


Do you bring lunch to work in order to save money? If so, what do you bring to eat? I would love to hear how you are able to save money by brown-bagging your lunches for work. Or would you be willing to give it a try if you regularly buy your lunch now while at work? And what other money hacks do you have to save money? Leave a comment below and share your thoughts!


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