The $100 Strategy That Could Change a Pastor’s Retirement Forever

You do not need thousands of dollars to start investing. You need a system.

And if you're in ministry, that system better be simple, peaceful, and aligned with your calling, not in conflict with it.

So let's confront the most common objection I hear from pastors when it comes to building long-term wealth:
*"I’d love to invest... but I don’t have enough to start."

That belief is quietly keeping many ministry leaders from taking the very step that could transform their financial future.

But here’s the truth: You can start with just $100.

And if you know what you’re doing, that small beginning can lay the foundation for a retirement plan that grows steadily over time, without compromising your time, your values, or your peace of mind.

Let me show you how.

The Lie: "I Need More Before I Start"

If you’ve spent any time around the investing world, you’ve probably been bombarded with flashy stories of people “going big” in the markets. That noise makes it easy to believe that unless you’ve got thousands sitting in your bank account, you shouldn’t even bother trying.

That simply isn't true. In fact, the biggest mistake pastors make is not starting small,it’s waiting too long to start at all.

We need to reframe the goal.

This isn’t about how much money you begin with. It’s about whether you have a repeatable, strategic rhythm that can grow.

$100 might not sound like much. But in the right hands, with the right approach, it becomes the seed of something powerful.

The Truth: Consistency > Capital

You don’t need a big budget to invest. You need a consistent habit.

The Growth Plan I teach is built around that exact principle. You can execute the system with a brokerage account, a few minutes of attention each month, and as little as $100 per trade.

Every month, our members get a seasonal stock watchlist that identifies high-probability trade setups. We focus on stocks that have strong historical patterns, stable price behavior, and seasonal tendencies that repeat year after year. These are not penny stocks or wild bets. They are names with volume, structure, and predictability.

And here's the best part: the strategy works best when it's slow, intentional, and stress-free.

Step-by-Step: How to Start with Just $100

If you’re reading this and thinking, “Okay, maybe it’s possible,” then let me remove the guesswork for you. Here's exactly how a pastor can begin this month, even if you're working with limited funds.

1. Open a Brokerage Account

I strongly recommend Tradier.
This is the brokerage I use myself. They’ve been reliable, affordable, and deeply aligned with the tools ministry-minded investors need. You won’t see a bunch of distractions, day trading ads, or pressure to “go big.”
Full disclosure: I have a partnership with them, but I do not receive any commissions or referral payments. I recommend them simply because they’re the best fit I’ve found.

2. Deposit Your First $100

It doesn’t need to be more than that. Think of this as your "test account." It’s not a commitment to make a fortune. It’s a commitment to learn. This is your chance to experience the rhythm of investing in real time, without pressure or performance anxiety. You’ll see how prices move, how spreads fill, and how simple it can be to execute trades once you’ve got the right guidance.

Most importantly, you’ll start building muscle memory around disciplined decisions. That’s the real win here. You’re not just buying into the market. You’re buying into a new financial mindset. One that favors steady action over flashy outcomes.

You are not trying to get rich overnight. You’re trying to learn how to invest with discipline, patience, and clarity. And this small, hands-on step is where it begins.

3. Join the Growth Plan

Every month, I send out a list of 20 great stock opportunities with clear seasonal edges. You’ll get a short list of trades and simple trade setup instructions.

You’ll learn how to:

• Select your trade based on seasonal patterns

• Set your target and stop using defined risk

• Properly allocate your funds so you are well diversified

Most of the trades can be done for under $150, which makes them accessible even to those with tight budgets.

4. Commit to a Monthly Rhythm

The key is not just the trade itself. It’s the rhythm. This is where discipline starts to grow. One of the most powerful habits a new investor can build is the simple act of making a monthly deposit into your trading account. It doesn’t need to be big. You’re not trying to impress anyone. You’re building a habit.

Start with $10 to $15 per month if that’s all you can manage. If you can do $50 to $100, even better. The goal isn’t the size of the deposit; it’s the rhythm. The act of showing up. That small deposit isn’t just funding your account. It’s strengthening your mindset. And if you know what you’re doing, that small beginning can lay the foundation for a retirement plan that grows steadily over time, without compromising your time, your values, or your peace of mind.

This is the same principle we preach to our church members when we talk about tithing. Regular giving teaches trust, consistency, and faithfulness over time. It’s not about waiting until you have “enough.” It’s about starting with what you have and trusting the process.

The same is true here. Make the deposit. Build the discipline. Then let the compound effect do what it does best.

The Power of Starting Small

Let me be very clear: starting small is not the same as thinking small. In fact, starting with $100 is one of the wisest moves you can make if:

• You’re still learning

• You don’t want to risk more than you can afford

• You’re committed to long-term growth over quick wins

Imagine what happens when that $100 becomes $120. Then $150. Then $300.
And instead of taking profits out, you reinvest and begin to scale using a fixed-ratio compounding model. That’s exactly how we teach it inside the Growth Plan.

You won’t need to guess when to scale up. The system will show you.

Why This Works for Pastors

There are a lot of investing strategies out there. Most are either too aggressive, too complicated, or built for people with too much time on their hands.

But ministry leaders need something different. You need a method that’s:

• Rooted in wisdom

• Aligned with your values

• Compatible with your lifestyle

You need a plan that helps you grow your retirement without stealing your margin. That’s what the Growth Plan delivers.

It’s not about mastering Wall Street. It’s about building habits that create margin and freedom, starting right where you are.

Final Word: Get Started Today

If you’re serious about building wealth for the long haul, without the anxiety, the complexity, or the noise, then let today be your first step.

👉 Open your Tradier account now

👉 Download our free starter guide or consider joining the Growth Plan

Your future is not determined by how much you have.
It’s determined by whether you’re willing to start.

And you can do it with just $100.