How ‘Micro-Savings’ Can Help You Build Wealth, According to Fidelity

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0;switch(e){case"expanded_panel":o='{promoMarkup}{notifMarkup}',r=n._store.getNotifications(),a=n._generatePanelMarkup(o,r),i.innerHTML=a;break;case"error_panel":a=(o='{errorMsg}').replace("{errorMsg}",n._config.panel.errorMsg),i.innerHTML=a}t&&t()}else t&&t(new Error("No panel parent"))}},{key:"createPanelParentNode",value:function(e){e&&(e.innerHTML='',this._panelNode=document.getElementById(D))}},{key:"updateBadgeNode",value:function(e){if(e){var t=this._store.getNotifications().newCount,n=this._config.badge.maxCount;if(t){var o=t>n?n+"+":t;e.innerHTML=o}else e.innerHTML=""}}},{key:"addStyles",value:function(e){if(e&&"undefined"!=typeof window){var t=document.getElementById(this._config.panel.styleTagId);t||((t=document.createElement("style")).type="text/css",t.id=this._config.panel.styleTagId,t.innerText=e,document.head.appendChild(t))}}}]),e}(),U=function(){function e(t,n,o){L(this,e);var i=this;i._store=n,i._view=o,i._config=t;var 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RegExp("[?&]notifications=1(&|#|$)");"desktop"===y&&i&&b.test(window.location.search)&&(i.checked=!0)};be("ybar-mod-notification",(function(e){var t={isUH3:"crunch"===e.getConfig().ytheme,notifContainer:document.getElementById("notification-container"),notifBadge:document.getElementById("notif-badge"),notifMenu:document.getElementById("ybarNotificationMenu"),notifMenuOpener:document.querySelector("#ybarNotificationMenu + label"),notifDropdown:document.getElementById("notifDropdownContainer"),tooltipContainer:document.querySelector(".".concat(Vn)),notifLabel:document.querySelector(".".concat($n))};t.notifDropdown&&ro(e,t)}))}()}};]]>Cindy LamotheMon, Aug 25, 2025, 1:13 PM 3 min readWhen people think about saving money, they often imagine big, dramatic moves — like cutting rent in half or skipping vacations. But according to Fidelity, building wealth doesn’t have to be extreme.Explore More: 3 Best Ways To Prioritize Your Savings GoalsTry This: 9 Downsizing Tips for the Middle Class To Save on Monthly ExpensesIn fact, small, intentional “micro-savings” habits can add up over time and help you strengthen your financial muscle.Think of it as fitness for your wallet: Small reps, consistent effort, big results later. Here are a few ways Fidelity says you can start putting micro-savings to work.One of the easiest ways to get started is by setting up automatic transfers from your checking to savings.We’re not talking hundreds of dollars here — just $5, $10, maybe $20 a week. By keeping the amounts small, you’re less likely to miss the money, and before you know it, you’ll have a cushion for short-term goals.Fidelity suggests giving your savings account a specific label, like “Holiday Gifts” or “Beach Trip.” That way, you’re not just saving randomly — you’re saving with purpose.When that money is already sitting in its own little “bucket,” it feels less painful to spend later on exactly what you planned.For You: Never Do These 3 Things With Your Money, Says Personal Finance Pro Humphrey YangHere’s another smart move: When you get a little extra cash — whether it’s a rebate, tax refund or credit card cashback — treat it like it never belonged in your checking account in the first place.Redirect those dollars straight into savings or investments. Since the money wasn’t part of your regular budget, you won’t feel like you’re giving something up.And the best part? You’re transforming unexpected income into long-term wealth builders. Fidelity notes that this trick works because it’s both painless and rewarding — you feel like you’re “winning” money, and instead of spending it right away, you let it work for you.Micro-savings doesn’t have to stop at cash. Fidelity points out that investing even small amounts consistently can build momentum.Thanks to fractional shares and low- or no-minimum investment options, you can dip your toe into the market with just a few dollars.Over time, the combination of regular contributions and compounding growth can turn your micro-investments into something much bigger. Think of it as planting tiny seeds: Individually, they don’t look like much, but given time, they can grow into  real money.Terms and Privacy PolicyPrivacy & Cookie SettingsMore InfoS&P 5006,465.94 +26.62 (+0.41%)Dow 3045,418.07 +135.60 (+0.30%)Nasdaq21,544.27 +94.98 (+0.44%)Russell 20002,358.60 +19.42 (+0.83%)VIX14.62 -0.17 (-1.15%)Gold3,442.40 +24.90 (+0.73%)PortfolioSign in to access your portfolioSign inTop gainersSATS EchoStar Corporation 50.87 +20.99 (+70.25%)SMTC Semtech Corporation 58.72 +7.72 (+15.14%)HSAI Hesai Group 26.67 +3.29 (+14.07%)UUUU Energy Fuels Inc. 12.31 +1.38 (+12.63%)LEU Centrus Energy Corp. 208.67 +23.39 (+12.62%)Top losersNEGG Newegg Commerce, Inc. 67.03 -17.97 (-21.14%)KDP Keurig Dr Pepper Inc. 28.95 -2.15 (-6.91%)FUN Six Flags Entertainment Corporation 24.00 -1.48 (-5.81%)BWLP BW LPG Limited 15.10 -0.89 (-5.57%)CRGY Crescent Energy Company 9.02 -0.52 (-5.45%)Most activeOPEN Opendoor Technologies Inc. 4.7000 +0.1600 (+3.52%)NIO NIO Inc. 6.70 +0.61 (+10.02%)NVDA NVIDIA Corporation 181.77 +1.94 (+1.08%)WBA Walgreens Boots Alliance, Inc. 11.92 -0.05 (-0.42%)LCID Lucid Group, Inc. 2.1100 +0.0300 (+1.44%)Earnings eventsMy earnings eventsEarnings eventsTrending tickersUNH UnitedHealth Group Incorporated 300.43 -4.43 (-1.45%)SATS EchoStar Corporation 50.87 +20.99 (+70.25%)BAC Bank of America Corporation 50.25 +0.77 (+1.56%)MSFT Microsoft Corporation 502.04 -2.22 (-0.44%)ALLR Allarity Therapeutics, Inc. 1.4300 +0.4887 (+51.92%)Top economic events