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How to Find Money to Invest (Even If You Think You Don’t Have Any)

One of the most common things I hear is, “Chris, I’d love to invest… I just don’t have the money.”

And almost every time, that statement isn’t actually true.

Most people who say they don’t have money to invest do have it they just don’t know where it’s hiding. I know this because I’ve lived it myself, and I’ve walked thousands of clients through the same process. In this article, I’m going to show you the exact strategies I used when I was flat broke, losing money every month, and how I help others free up cash today so they can start investing and building passive income.

If you feel like you make decent money but still wonder where it all goes, this is for you.

Why “Making Good Money” Still Feels Like You’re Stuck

“Decent income” is subjective. I’ve had people tell me they don’t make much, then admit they earn $80,000 or $100,000 a year. The truth is, income alone doesn’t create wealth cashflow control does.

I work with business owners, professionals, and employees who should be far ahead financially, but aren’t. Not because they’re irresponsible but because they’ve never been taught how to manage, optimize, and redirect cashflow intentionally.

That was me during the last recession. I wasn’t tracking my money, I was overleveraged, and I was bleeding cash without realizing it. When I finally faced reality, I found three key areas where money was leaking and once I fixed them, everything changed.

Step 1: Stop the Money Leaks

The fastest way to find money to invest is to stop losing it.

Most people don’t actually “budget” they glance at their bank balance and hope it works out. That’s not tracking your money. Real tracking means knowing where every dollar is going, and doing it consistently.

I recommend tracking your money weekly, not monthly. Weekly tracking takes less time, creates awareness faster, and prevents surprises. Whether you use an app like Rocket Money or Monarch, or a simple spreadsheet, the tool doesn’t matter the habit does.

What happens when people start tracking?

• They find subscriptions they forgot about

• They notice impulse spending patterns

• They eliminate overdraft fees

• They catch fraudulent or incorrect charges

• They stop bleeding cash unintentionally

I’ve seen clients free up $300, $600, even $1,800 per month just by tracking and eliminating unnecessary expenses. That’s real money you can redirect toward investing—without changing your income.

This isn’t about deprivation. It’s about stewardship.

Step 2: Use Debt to Increase Cashflow (Not Destroy It)

Debt is one of the most misunderstood tools in personal finance.

Most advice tells you to pay off debt based on interest rates or smallest balances. I don’t follow that approach. Instead, I teach what I call the Cashflow Index, which focuses on freeing up the most monthly cashflow first.

Sometimes the best move isn’t paying off debt it’s restructuring it.

I’ve worked with clients who wanted to invest in real estate but didn’t have enough cash. Once we analyzed their debt and refinanced strategically, they freed up hundreds of dollars per month than they would have made from the investment they were chasing.

One client freed up $600 per month simply by restructuring debt. Within a year, that cash rebuilt her reserves and gave her both the money to invest and increased monthly cashflow.

Before you invest, ask:

• Can my debt be optimized?

• Can monthly payments be reduced?

• Can cashflow be freed up first?

Often, the answer is yes.

Step 3: Find Money Through Tax Optimization

If you’re a business owner, solopreneur, or have a side hustle, this is usually where the biggest opportunity lies.

Most business owners are overpaying taxes, sometimes by tens of thousands of dollars per year not because they’re doing anything wrong, but because they’re structured incorrectly.

I’ve seen:

• Small business owners overpay $5,000–$10,000 per year

• Professionals overpay $30,000+ annually

• Entrepreneurs lose hundreds of thousands over decades

Simple strategies like proper entity setup, compensation structuring, and income classification can dramatically reduce taxes legally and ethically.

That’s money you can redirect into saving, investing, or building passive income instead of sending it to the IRS unnecessarily.

The Bonus Strategy Most People Miss: Increase Income

You can only cut expenses so far.

Income, on the other hand, has no ceiling.

One of the biggest mistakes I see is people obsessing over small investment returns too early. Making 10% on $10,000 doesn’t change your life. Increasing your income by $20,000 per year does.

Whether you’re an employee or business owner, ask:

• How can I deliver more value?

• How can I solve bigger problems?

• How can I position myself as an A-player?

When you focus on value creation, money follows. That increased income becomes the fuel for investing not the starting line.

When Should You Start Investing?

In most cases, once you’ve built about $200,000 in liquidity, investing becomes far more powerful. At that point, you can diversify, manage risk better, and generate meaningful returns.

Before that, your best investment is often:

• Cashflow optimization

• Income growth

• Strategic saving

• Infinite banking strategies to store and deploy capital efficiently

Final Thoughts

If you feel stuck financially, it’s not because you’re bad with money. It’s because no one ever showed you where to look.

Money to invest is usually already there idden in leaks, debt inefficiencies, tax overpayments, or unrealized income potential. Once you reclaim it, everything changes.

This is exactly why I created Cashflow Breakthrough, a one-on-one coaching program designed to help people find money they already have, free up cashflow, and finally start building real wealth.

You don’t need permission.

You don’t need perfect timing.

You just need clarity and action.

And that’s something you can start today.