22 ways to save, invest and get smarter with money in 2022 - Deepstash
Survival Tips

Learn more about personaldevelopment with this collection

Basic survival skills

How to prioritize needs in survival situations

How to adapt to extreme situations

Survival Tips

Discover 63 similar ideas in

It takes just

11 mins to read

<ul><li><strong>Be careful wit...

  • Be careful with trading apps - avoid investing through apps that make a game out of investing , particularly short-term investments. Make sure that you have a sizable emergency fund held in an FDIC-insured savings account.
  • See a financial therapist - if your relationship with money is strained conifer making an appointment. They help clients process their underlying feelings about money, while making plans for retirement, savings, investments and other goals.
  • Monitor your accounts - there's no excuse not to be proactive about cybersecurity. Turn on multi-factor authentication.


497 reads

<ul><li><strong>Picture your p...

  • Picture your perfect year - take time to reflect on 2021 and think about what, if anything, you'd like to do differently in 2022.
  • Track your growth - calculate your net worth is a good start. This is essentially your assets (cash in checking and savings accounts, investments, real estate, cars, etc.) less your debts (student loans, mortgages, overdue credit card bills, etc.). You can use an app like Personal Capital, or an Excel tracking sheet.
  • Invest in an index fund - opt to invest in index funds if you’re looking to build wealth. Index funds are designed to track the entire stock market.


280 reads

<ul><li><strong>Find some insp...


224 reads

  • Make a plan for your benefits - familiarize yourself with your employer's benefits this year. There could be things available you haven't been aware of, such as financial planning sessions or wellness opportunities.,Don't let them go to waste.
  • Do one task you've been putting off - we all have that one thing we know we need to do, yet keep finding ways to push off. Make an effort to finally check that one thing off of your long-term to-do list, whether it's finally assessing your investment mix and fees or making an end of life plan.


212 reads



  • Schedule a recurring life administration day - dedicate a certain day to reviewing your finances and other life administrative tasks on a recurring schedule . Tasks could include checking on spending, rolling over an old 401(k), submitting receipts for reimbursement, returning purchases you don't plan to keep or culling subscriptions. To make the most of this day, keep a list on your phone or somewhere else easily accessible of the tasks you need to accomplish, from reviewing your spending to submitting receipts to checking your net worth.


178 reads

<ul><li><strong>Learn about cr...

  • Learn about crypto - you shouldn't throw all of your money into cryptocurrencies, but at this point, you should take time to learn about them and how they work.
  • Figure out your retirement number - Even if you're decades away from retirement, it's important to have an idea of how much you might need stashed away to support yourself after you stop working full time. Remember: Things change. Get an idea of how much you need, but know that it will likely change over time.


177 reads

  • Contribute more to your Roth IRA - which let savers contribute money after they have paid taxes on it. Contributions and earnings grow tax-free (assuming investors follow the withdrawal rules), making them particularly powerful investment vehicles for workers in lower tax brackets.
  • Prepare for student loan repayments to resume - After a nearly two-year reprieve, federal student loans payments in the US will resume Feb. 1, 2022. To prepare, financial experts advise checking your balance to understand how much you owe each month & work out how to fit it back into your budget.


150 reads



  • Increase your savings rate - your savings rate is the percentage of your income that you keep each month, versus the amount that you spend. Increasing it, even slightly, will put you in a better overall financial position. You'll have additional money stashed away for a rainy day, or to put toward your other goals, whether that's buying a house or investing more. Start small: Increase your 401(k) contribution by 1% at the start of each year or cut out one monthly subscription you don't need, and send that money to your savings account instead.


141 reads

  • Cut down your expenses - Another way to save a little and ensure you're spending on what's important to you is to rank your expenses. Consider the money you'd save on those expenses, and what it would look like to put it toward one of your goals instead.
  • Stop timing the market - when the stock market starts getting rocky, it's natural to want to pull back to "save" money. Rather than letting your nerves get the best of you, think of a down market as a buying opportunity . At the very least, don't get spooked and pull your money out of your investments. Your bottom line will thank you.


133 reads

<p><strong>Make your money cou...

Make your money count - consider where your money has gone over the past year or so. Are you happy with how and where you're spending it? If not, make some changes in 2022. That could mean shopping more at local small businesses, cutting out massive retailers like Amazon or looking into sustainable investing . No, your personal expenditures aren't likely to change how the entire world operates. But in many ways, your dollars are your voice. Exercise them with care.


135 reads

<ul><li><strong>Stop timing th...

  • Stop timing the market - when the stock market starts getting rocky, it's natural to want to pull back to "save" money. Rather than letting your nerves get the best of you, think of a down market as a buying opportunity . At the very least, don't get spooked and pull your money out of your investments. Your bottom line will thank you.
  • Talk it out - schedule time with your significant other to get on the same page about your finances and goals. Not partnered up but still want to talk it out with someone? Try hosting a money salon — it can be on Zoom — with friends.


107 reads



Income. Save. Invest. Spend 💡~ Making Careers & Investing Simpler


Explore the World’s

Best Ideas

200,000+ ideas on pretty much any topic. Created by the smartest people around & well-organized so you can explore at will.

An Idea for Everything

Explore the biggest library of insights. And we've infused it with powerful filtering tools so you can easily find what you need.

Knowledge Library

Powerful Saving & Organizational Tools

Save ideas for later reading, for personalized stashes, or for remembering it later.

# Personal Growth

Take Your Ideas


Organize your ideas & listen on the go. And with Pro, there are no limits.

Listen on the go

Just press play and we take care of the words.

Never worry about spotty connections

No Internet access? No problem. Within the mobile app, all your ideas are available, even when offline.

Get Organized with Stashes

Ideas for your next work project? Quotes that inspire you? Put them in the right place so you never lose them.


2 Million Stashers


5,740 Reviews

App Store


72,690 Reviews

Google Play

Shankul Varada

Best app ever! You heard it right. This app has helped me get back on my quest to get things done while equipping myself with knowledge everyday.

Sean Green

Great interesting short snippets of informative articles. Highly recommended to anyone who loves information and lacks patience.


Don’t look further if you love learning new things. A refreshing concept that provides quick ideas for busy thought leaders.

Ashley Anthony

This app is LOADED with RELEVANT, HELPFUL, AND EDUCATIONAL material. It is creatively intellectual, yet minimal enough to not overstimulate and create a learning block. I am exceptionally impressed with this app!

Ghazala Begum

Even five minutes a day will improve your thinking. I've come across new ideas and learnt to improve existing ways to become more motivated, confident and happier.

Giovanna Scalzone

Brilliant. It feels fresh and encouraging. So many interesting pieces of information that are just enough to absorb and apply. So happy I found this.

Laetitia Berton

I have only been using it for a few days now, but I have found answers to questions I had never consciously formulated, or to problems I face everyday at work or at home. I wish I had found this earlier, highly recommended!

Jamyson Haug

Great for quick bits of information and interesting ideas around whatever topics you are interested in. Visually, it looks great as well.

Read & Learn

20x Faster





Access to 200,000+ ideas

Access to the mobile app

Unlimited idea saving & library

Unlimited history

Unlimited listening to ideas

Downloading & offline access

Personalized recommendations

Supercharge your mind with one idea per day

Enter your email and spend 1 minute every day to learn something new.


I agree to receive email updates