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10-Minute Money Wins That Add Up to Thousands


What’s Poppin’,

This is Master Money, the only newsletter where “compound interest” is sexier than a six-pack.

Here’s what we have on deck today:

📗 Read: 10-Minute Money Wins That Add Up to Thousands

🎙️ Listen: The 80/20 Millionaire: The Few Habits That Create Most Millionaires

10-Minute Money Wins That Add Up to Thousands

Here's something that'll annoy every productivity guru on LinkedIn: The difference between rich and poor isn't discipline, work ethic, or even intelligence. It's patience for boring tasks.

While you're scrolling TikTok for the 47th time today, millionaires are doing the financial equivalent of flossing their teeth. Tiny, unglamorous tasks that compound like interest on steroids.

I call them "10-Minute Money Wins" – and if you're not doing at least three of these monthly, you're essentially lighting money on fire while complaining about inflation.

The $127,000 Phone Call Nobody Makes

Meet Sarah, a marketing manager in Denver making $75k. Last Tuesday, she spent exactly 8 minutes calling her car insurance company to ask about discounts. The result? She discovered she qualified for a safe driver discount, multi-policy bundle, and paperless billing credit she'd been missing for three years.

Total savings: $240 per year.

Sarah's reaction: "That's it?"

Here's what Sarah doesn't realize: That $240, invested in an index fund returning 7% annually over her remaining 35 working years, becomes $127,000. She just earned more per minute than most lawyers bill.

But most people won't make that call. Why? Because $240 feels small.

We're wired to chase the big score – the promotion, the side hustle, the crypto moonshot. Meanwhile, the wealthy understand that small money consistently applied beats big money inconsistently earned.

The Compound Effect Is Having a Moment

Warren Buffett didn't get rich from one brilliant investment. He got rich from thousands of slightly above-average decisions compounding over decades. Same principle applies to your personal finances, just scaled down.

Consider this: The average American has 37 subscriptions they're not using. Netflix, Spotify, that meditation app you downloaded during your anxiety phase – all quietly draining your account like financial vampires.

Ten minutes with your credit card statements could save you $50-100 monthly. Over 30 years, that's $43,000-$86,000 in today's dollars.

Yet, 73% of Americans can't tell you what they spent on subscriptions last month. It's like being unable to locate a leak while your boat slowly sinks.

The Six Money Moves That Actually Matter

Here's your hit list of 10-minute wins, ranked by return on time invested:

1. Negotiate Your Cell Phone Bill (Expected savings: $200-400/year)

Call your provider, say you're considering switching, and ask what discounts are available. They'd rather give you $30 off monthly than lose a customer. I did this last month and saved $360 yearly. The call took 6 minutes.

2. Optimize Your 401k Match (Potential impact: $500,000+ lifetime) Most companies offer free money through 401k matching, yet 25% of employees don't contribute enough to capture it all. Ten minutes with HR to understand your match formula could be worth hundreds of thousands over your career.

3. Refinance or Recast Your Mortgage (Potential savings: $50,000-200,000) Even a 0.5% rate reduction saves massive money over 30 years. Yes, refinancing has costs, but shopping rates takes minutes online. If you've improved your credit since buying, you're leaving money on the table.

4. Automate High-Yield Savings (Extra earnings: $100-500/year) Your money sitting in Chase earning 0.01% is like keeping a Ferrari in first gear. Online banks pay 4-5% currently. Moving funds takes one phone call and a few clicks.

5. Audit Recurring Charges (Typical savings: $600-1,200/year) Set a monthly 10-minute date with your credit card statements. Hunt for subscriptions, memberships, and services you've forgotten. Cancel ruthlessly. Your future self will thank you.

6. Negotiate Medical Bills (Success rate: 80%+) Most people pay medical bills without question. Big mistake. Hospitals regularly negotiate payments, offer payment plans, or reduce charges entirely. One call can save thousands.

The Psychology of Small Wins

Here's why this works better than dramatic lifestyle changes: Small wins create momentum without triggering your brain's resistance to change. It's the financial equivalent of starting with one pushup instead of committing to daily CrossFit.

Plus, each small win builds confidence. You start seeing yourself as someone who takes control of their finances, which makes bigger moves feel natural later.

The wealthy think in systems, not events. They don't get rich from one big break – they get rich from consistently making optimal decisions in every small area of life.

Your Next 10 Minutes

Stop reading newsletters about money and start making money moves. Pick one task from the list above and do it today. Right now. Before you check Instagram or answer that text.

Set a timer for 10 minutes. Make the call. Run the numbers. Take the action.

Because here's the truth: The money you save in the next 10 minutes might be worth more than your next raise. And unlike hoping for a promotion, this is entirely within your control.

The rich aren't smarter than you. They're just better at doing boring things consistently.

High-Performance Book Club 📚

I get a ton of questions from listeners and readers as to what I am reading. So we decided to let you know via the newsletter. The High-Performance Book Club will be a way to share this. If you want to be Elite in your career, business, or with your wealth, then welcome to the club. If you would like to see our previous picks, you can find them here.

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The Personal Finance Podcast 🎙️

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The 80/20 Millionaire: The Few Habits That Create Most Millionaires

The Business Show 🎙️

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Master Money

I teach you how to master your money in less than 5 minutes per week. I am the host of The Personal Finance Podcast with 400K downloads monthly and the Founder of Master Money.

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