This is for the girlies who want their money to work harder but who are definitely not here for 5-hour YouTube tutorials
You want the no-pressure, no-gatekeeping version of investing the kind that fits into real life (even if that life is already chaotic and caffeine-fueled).
And honestly? Same.
I put off investing for way too long because it seemed overwhelming, expensive, and full of language that made my eyes glaze over. But once I found ways to start small and keep it simple I realized you don’t need to be a finance expert to build wealth.
You just need a system that doesn’t suck the life out of you.
Let’s dive into 7 lazy-girl-approved ways to start investing… that actually work.
1. Use an App That Does It For You
I started with Acorns because it invests your spare change automatically. Like… buy a coffee for $3.60? Acorns rounds it up to $4 and invests the $0.40.
It’s the digital equivalent of that jar of coins your grandma kept under the sink but with compound growth.
Why it works:
- Set it and forget it
- No need to pick stocks
- Perfect for total beginners
👉 Try Acorns here and let your digital pocket change grow into a lil’ money tree.
2. Start With Just $5 Using Fractional Shares
Let me be very clear: You do not need $1,000 to start investing.
With apps like Public or Robinhood, you can invest in fractional shares, which just means you buy a slice of a stock instead of the whole thing.
Want to own a piece of Apple, Amazon, or Disney but don’t have $300+? Cool. Just buy $5 worth.
Lazy-girl win:
- No pressure to save up a huge amount first
- You can build your portfolio little by little
- Visually clean and simple interfaces
3. Invest In Index Funds (aka the Chillest Option Ever)
If picking individual stocks gives you heart palpitations (me ), start with an index fund like VTI or S&P 500 ETFs.
These funds are bundles of the biggest, most stable companies in the U.S. so you’re investing in all of them at once.
Less risk, less drama, and historically… consistent growth.
You can do this through:
💡 It’s like ordering a sampler platter instead of choosing one thing from the menu.
4. Set a Monthly Auto-Invest (Even $10 Counts)
Here’s where the magic really happens: automation.
Set a recurring transfer of $10, $25, or whatever you can handle into your investing app.
Make it boring. Make it background noise.
Because lazy investing = consistent investing.
The more you automate it, the less likely you are to forget, skip, or panic-sell when the market dips.
Apps that make this easy:
- Acorns
- Fidelity auto-invest
- M1 Finance
5. Get a High-Yield Savings Account for Your “Investment Starter Fund”
Before I threw my first dollar into the stock market, I saved up a mini “investing buffer” just in case I needed to pull back or cover surprise expenses.
I used a high-yield savings account to park my money while I learned.
It earned more interest than a regular bank account (2–5% vs. 0.01%), and it gave me peace of mind.
Lazy but strategic.
6. Invest in Your Business or Personal Growth First
Can we normalize this? Sometimes the smartest “investment” you can make early on… is in yourself.
That could look like:
- Buying a PLR template bundle that you can resell for profit
- Taking a course that actually teaches you how to monetize your skills
- Hiring a biz coach for a few months to help you build out a plan
These are investments.
They pay you back in confidence, clarity, and income aka the money you’ll later invest elsewhere.
7. Watch 1 YouTube Video a Week, That’s It
You don’t need to binge every finance channel out there.
Just pick one creator who explains things your way and set a weekly reminder.
A few I love:
- @HerFirst100k – feminist investing, great beginner advice
- @InvestingWithRose – chill, visual, helpful
- Money with Katie – podcast that makes finance fun
Fifteen minutes a week = huge shift in your confidence over time.
Lazy Girl Investing Starter Pack
- ✅ Download Acorns and let it invest spare change
- ✅ Try fractional shares on Public or Robinhood
- ✅ Choose a simple index fund like S&P 500 (set and forget)
- ✅ Automate a monthly transfer even $10
- ✅ Use a high-yield savings account for peace-of-mind saving
- ✅ Invest in you first with tools like PLR Templates
- ✅ Watch 1 investing video a week no info overload required
You Don’t Need to Hustle to Build Wealth
You just need to start.
And yes, it can be as low-effort as rounding up your coffee order and letting an app handle the rest.
Lazy isn’t bad. Lazy is efficient when done right.
Start where you are. Even if that’s on the couch.
Especially if it’s on the couch.
