Our Investment Philosophy

We invest with consistently, automatically, and with patience. The Invest Your Coffee philosophy is simple: small, regular investments compound into meaningful results over time.

Our approach is built around investing the cost of a cup of coffee ($5 a day) into $SPY, an S&P 500 index fund. This single step mirrors the market benchmark and represents one of the most proven long-term wealth-building strategies available to individual investors.

Why We Use M1 Finance

M1 Finance aligns perfectly with our philosophy. It’s built for long-term investors who value simplicity, automation, and consistency over short-term speculation. With M1, we can schedule daily or weekly deposits, automatically allocate investments, and stay focused on what matters most which is time in the market, not timing the market.

• Ease of Use: Automates deposits and reinvestment, keeping investing simple and consistent.

• Long-Term Focus: Encourages holding quality funds for years, not days.

• No Trading Noise: Removes distractions of price watching and speculation.

Why Funds Like $SPY Matter

Beginners often feel pressure to pick the “right” stock, but history shows that most investors who buy and sell frequently earn less than the market itself. By investing in broad-based funds like $SPY, you own a share of the 500 largest U.S. companies capturing the market’s average return without needing to predict winners and losers.

This method delivers steady, benchmark-aligned performance and frees you from the emotional swings of individual stock picking. It’s the simplest and most effective way for most investors to grow wealth over time.

There are several funds with their focus. For beginners, read about these funds and choose 1 that you want to invest in. We are not a financial advisor.

Our Public M1 Portfolio

You can view our live portfolio on M1 Finance using the link below. It shows exactly how we allocate our daily coffee investments and demonstrates how consistency, patience, and discipline translate into real growth.

View the Portfolio on M1

Referral Disclosure: If you sign up using our link, both you and Invest Your Coffee may receive a small bonus from M1 Finance. There’s no additional cost to you, and participating helps support our educational mission. We only recommend tools we use personally and believe in deeply.