Story: September Milestone

September ended on a high note: my portfolio reached 20.9K, up from 18.4K in August. That 20% milestone is more than just a number — it’s proof that the strategy works and that consistency truly pays off. I also invested 650 this month, seeing 1.85 growth, which reinforced that even in months with ups and downs, disciplined investing yields results.

A small personal win came in the form of a new desk chair. It might seem trivial, but comfort matters — sitting in something that makes me happy boosts productivity and morale. The month wasn’t without its challenges, though. Being ill reminded me of the importance of rest and reset. Turning off and giving yourself space isn’t just allowed; it’s part of a long-term strategy.

Hitting 20% of my first 100K triggered a “hell yeah” moment. Crossing into the 20Ks feels like leaving the teen numbers behind — entering adult investment territory. I note smaller milestones every 5% in my spreadsheet, but I reserve celebration for the big numbers: 20, 30, 40K. For 20K, I’m marking the milestone with a lovely meal out — a simple reward that reinforces momentum.

Why This Matters

Reaching 20% of the first 100K is significant for several reasons:

• Proof the system works: Seeing the numbers grow confirms that the investment strategy — low-cost funds, consistent monthly contributions, and reinvesting leftovers — is effective.
• Emotional validation: Hitting 20K is tangible proof of progress. It transforms abstract goals into real achievement and motivates you to keep going.
• Consistency matters more than speed: Even modest contributions, applied regularly, compound into meaningful growth.
• Milestones fuel motivation: Celebrating milestones psychologically reinforces progress, making long-term financial goals feel attainable.

This month’s progress isn’t just about the numbers. It’s about the confidence and mindset that come with knowing your system works and will continue to grow over time.

Investment Growth: How September Played Out

September’s growth came from both strategy and discipline. I continue to focus on low-cost funds, which offer reliable, long-term growth with minimal fees — the smart, simple way forward.

I usually invest a minimum of 230 per month, but this month I had additional funds available and invested 650 total. I also adjusted my approach: rather than investing all of what is left over, I now allocate 70% of what’s left over at the end of the month. This tweak allows for higher contributions without compromising paying off my mortgage — a subtle but effective strategy for accelerating growth, and peace of mind.

To illustrate, at a 7% annual growth rate:

• Contributing 230 per month could reach 100K in roughly 12 years and 3 months.
• Contributing 500 per month could reach 100K in roughly 8 years and 1 month.

Even modest monthly contributions, consistently applied, compound impressively over time. I track everything in a simple spreadsheet — no fancy apps needed. Seeing progress laid out numerically keeps motivation high and makes every milestone, no matter how small, feel real.

Mindset: Lessons from September

September reinforced that mindset and habits matter as much as numbers:

• Rest is part of the strategy: Being ill reminded me that stepping back and recharging isn’t a setback — it’s an investment in productivity and focus.
• Celebrate milestones: Emotional wins matter. A pat on the back, noting progress in your spreadsheet, or treating yourself to something nice reinforces momentum.
• Confidence from experience: Having done it before, I know the system works — that assurance eliminates doubt and keeps me on track.
• Patience pays off: Growth doesn’t have to be flashy every month. Steady contributions accumulate and compound — the long-term perspective is key.

September was a month of both reflection and action. Adjusting the investment strategy and celebrating a milestone simultaneously reminds me why this journey is rewarding, both financially and personally.

Lessons from September

Looking back, there are several actionable lessons readers can apply:

1. Consistency beats speed: Even small, regular contributions significantly impact your long-term goal.
2. Milestones matter: Don’t underestimate the power of celebrating numbers like 20K, 30K, or 50K.
3. Refine your strategy: Adjusting contributions based on leftover cash (70% approach) is a practical tweak that accelerates growth.
4. Invest in yourself: Small comfort or productivity wins, like a desk chair, make the long-term grind more enjoyable.
5. Balance growth and wellbeing: Rest and R&R are not distractions; they’re part of a sustainable financial strategy.

Questions for You

1. What milestone this month deserves a small celebration, even if it’s just a smile?
2. How can you make your leftover cash work harder for your future 100K?
3. Are you tracking milestones in a way that motivates rather than overwhelms?
4. How do you ensure rest and wellbeing stay part of your investment strategy?
5. What small personal comfort could boost your productivity or morale this month?