Most high earners overcomplicate investing.

You've got multiple brokerage accounts, a 401(k) you're not sure is working hard enough, maybe some crypto you bought and forgot about—and somewhere in the back of your mind, a nagging feeling that you should be doing something smarter with your money.

So you wait.

You wait for the "right time" to invest more.

You wait for markets to dip.

You wait until you have a better plan.

And while you're waiting, your money sits still.

The brutal truth is that waiting is its own strategy—just a losing one.

There's a better way.

It's not complicated, it's not exclusive to hedge funds, and you don't need a financial advisor to set it up.

It's called dollar-cost averaging.

And if you're not using it consistently, you're leaving real wealth on the table.

TL;DR

  • The move: Invest a fixed dollar amount at regular intervals—regardless of price or market conditions.

  • The risk: You'll sometimes buy at a high. That's the deal. But you'll also buy at the lows everyone else is too scared to touch.

  • The upside: Over time, you accumulate more shares at a lower average cost—with zero market-timing required.

The Strategy

Dollar-cost averaging (DCA) is simple: you pick an amount, you pick a frequency, and you invest—no matter what the market is doing that week.

Not when it feels right.

Not after you check CNBC.

Every week. Every month. Like clockwork.

Here's why this matters for high earners specifically.

You're busy.

You don't have time to track charts, read earnings reports, or second-guess every market move.

And more importantly—emotional investing is where high-income earners destroy wealth the fastest.

The physician who panic-sold in March 2020.

The executive who moved everything to cash in 2022 and missed the 2023 rally.

The business owner who's been waiting for a "correction" for three years and never invested at all.

DCA removes the emotion from the equation entirely.

Here's a concrete example: Say you want to build a $10,000 position in a broad market ETF or Bitcoin.

Instead of dumping $10,000 in at once and hoping you timed it right—you split it into 20 weekly purchases of $500 each.

Some weeks you buy high.

Some weeks you buy low.

Over time, your average cost per share comes in lower than if you'd tried to time a single entry.

That's the math.

And the math doesn't care about your emotions.

The Playbook

Step 1: Decide what you're investing in

Index funds, ETFs, and high-conviction assets like Bitcoin are the most common DCA targets.

Pick something you believe in long-term—because this strategy only works if you hold through volatility.

Step 2: Set your frequency and amount

Weekly, bi-weekly, or monthly all work. The key is consistency. Start with an amount you won't be tempted to pause.

You can always increase it later.

Step 3: Automate it

Most brokerage platforms, crypto exchanges, and investment accounts allow recurring purchases. Set it and forget it.

Your wealth compounds in the background while you focus on your business, your patients, or your next deal.

Step 4: Avoid these common mistakes

Don't stop during downturns—that's exactly when DCA works best. Don't try to "boost" your contribution when markets are hot—that's market timing in disguise.

Don't spread yourself across 12 different assets at $50/month each. Concentrate on fewer, higher-conviction positions.

Action Plan

DCA is the foundation—but knowing what to invest in, how to structure it around your tax situation, and how to integrate it into a broader wealth plan is where most high earners have the most to gain.

That's what Market Open Insiders is built for.

It's a research-backed community that surfaces the opportunities, strategies, and market intelligence that high-income investors actually need—delivered consistently so you can act with confidence, not guesswork.

If you're ready to stop waiting for the "right time" and start building a real system, join us at joinmarketopen.com/market-open-insiders.

IN PARTNERSHIP WITH MARKET OPEN

$1 Million Stock Portfolio Challenge

Market Open Insiders is a $0 to $1 million stock portfolio challenge and a private Discord community.

One goal: In 5 years grow the portfolio from $0 to $1 million by investing $1,000 per week into stocks.

The core focus is on building a long-term stock portfolio and not to keep losing money on short-term trades.

Currently we are opening the community to 50 people at $15/mo. After that, we will continue to increase the price.

See you next Saturday,

Donny Gamble

Connect with me on LinkedIn & X

Author Disclosure: This content reflects my personal opinions and is provided for educational purposes only. I am not an investment adviser, broker-dealer, or tax professional, and nothing here should be considered financial, legal, or tax advice. All financial decisions involve risk, and tax rules can be complex. Please do your own research and consult a licensed professional before acting on anything shared here.

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