How to Build Wealth Automatically While You Sleep

Written by Silivere Bakomeza, Founder of BakoInvest

Most people think you need to hustle 24/7 to build wealth.

Wake up early. Grind all day. Invest manually. Time the market. Monitor every move.

But what if I told you that some of the most powerful wealth-building happens when you’re not doing anything at all?

Yes—even while you sleep.

That’s not a fantasy. That’s what smart, automatic investing systems like Acorns were built for.

And the truth is, whether you’re just starting out or deep into your investing journey, you can automate your path to wealth—without the stress, without the guesswork, and without waking up in cold sweats over the market.

Let’s break down how.

Real Wealth Doesn’t Need Your Constant Attention

We’ve been sold a myth that only people glued to stock charts make money.

That if you’re not day trading, you’re behind. If you’re not watching CNBC every morning, you’re slacking.

But long-term wealth isn’t built through anxiety. It’s built through systems—and consistency.

That’s why I love Acorns. Even though I’ve bet my public portfolio on one stock (MicroStrategy), I still respect and recommend robo-investing because it gives everyday people a way to grow their money with no stress.

Acorns lets you:

• Invest without lifting a finger every day

• Automate your deposits, round-ups, and rebalancing

• Sleep peacefully knowing your money is working

Here’s the Problem Most People Face

Most people want to invest. But they don’t:

• Know where to start

• Trust themselves with market decisions

• Have time to learn technical analysis

• Want the emotional rollercoaster of high-risk trades

So what do they do instead?

Nothing.

They wait.

They procrastinate.

They overthink.

They delay the decision for “when I have more time” or “when I feel ready.”

And the cost of waiting is massive.

The truth? Every day you wait to start investing, you’re losing the one thing you can never get back: time.

The Solution: Automatic Wealth Building

Acorns was built to solve that exact problem. It’s not flashy. It’s not sexy.

But it’s effective.

Here’s what makes it work:

1. It invests your spare change

This is the magic of round-ups. Every time you spend money, Acorns rounds it up to the nearest dollar and invests the difference.

Buy a coffee for $3.25?

Acorns invests $0.75 automatically.

Over time, that adds up to hundreds or even thousands—without you feeling it.

2. It runs while you sleep

   
   

You don’t need to open the app every day. You don’t need to check charts.

Acorns invests behind the scenes while you live your life.

3. It auto-adjusts your portfolio

Markets shift. Your risk profile might evolve. Acorns keeps your portfolio balanced and aligned to your long-term plan—without you having to micromanage it.

4. It builds habits for you

Wealth is a behavior game. Acorns turns investing into a lifestyle, not a once-a-year decision. It makes it automatic—and that’s where the power is.

How Acorns Works (In Plain English)

Acorns is a robo-advisor. That just means it builds and manages your portfolio for you based on your goals and risk level.

Here’s how it works:

1. You create an account in 5 minutes.

2. You answer a few simple questions (age, income, goals, comfort with risk).

3. Acorns places you into one of five ETF portfolios (more on those below).

4. You connect your debit card or bank account.

5. Every purchase gets rounded up—and your change is automatically invested.

You can also set up recurring deposits—weekly, biweekly, or monthly. Even $5 a week makes a difference.

I’ve used it myself. It’s clean, simple, and hustle-free.

Honestly, it’s one of the easiest accounts to keep and forget about—in the best way possible.

The Power of Sleep-Based Wealth

Let me give you a real example:

Let’s say you invest $50/month automatically with Acorns. That’s $1.67/day.

Barely noticeable.

But over 20 years, with an average 7% return, that turns into over $25,000.

Now double it.

$100/month = over $50,000 while you sleep.

That’s the kind of long-term growth most people never get because they keep trying to “time the perfect moment.”

You don’t need to be perfect.

You just need to start—and automate it.

Pros and Cons of Building Wealth This Way

Like I said before, no tool is perfect. But here’s what I’ve learned after using Acorns:

Pros

• No guesswork: You don’t have to pick stocks or worry about timing.

• Set it and forget it: Your money grows in the background.

• Behavior-based: Builds strong money habits effortlessly.

• Perfect for busy people: Works whether you’re working 3 jobs or raising kids.

• Great starter option: Low barrier to entry—anyone can use it.

• Includes retirement and kids accounts: Easy to expand your strategy.

Cons

• Monthly fee ($3–$5): Small, but worth noting if you’re starting with tiny amounts.

• No control over individual stocks: You invest in ETF portfolios, not Apple or Tesla directly.

• Not for active traders: No charting, no swing trading. This is long-term, boring, automatic investing.

Still, for 90% of people out there, those “cons” are exactly why it works.

What Kind of Portfolio Does Acorns Use?

Acorns builds your portfolio from a mix of low-cost ETFs that cover:

• U.S. large-cap stocks

• International stocks

• Bonds

• Real estate

• Sometimes emerging markets

You’ll be placed in one of five portfolios based on your goals:

1. Conservative

• Focus: Preserve money

• Mostly bonds, fewer stocks

• Best for retirees or anyone highly risk-averse

2. Moderately Conservative

• Focus: Slight growth, more stability

• Still bond-heavy, but with some stock exposure

3. Moderate

• Focus: Balance

• 50/50 stock-bond split

• Great for beginners or medium-term goals

4. Moderately Aggressive

• Focus: Growth over 10+ years

• Mostly stocks

• Best for younger professionals with time

5. Aggressive

• Focus: Max growth

• Nearly all stocks

• Ideal for long-term investors who can ride out the bumps

Want to build wealth while you sleep? Start with Acorns today.

Why This Matters if You Have a Family

If you have kids—or want to build generational wealth—Acorns makes it easy.

You can open an Acorns Early account for your child.

Even $10–$20/month over 18 years becomes serious money.

And you’re building something that teaches them how to grow wealth without stress.

This is the kind of habit I wish more parents passed down.

Not just giving money—but teaching systems.

Acorns makes that possible with zero overwhelm.

My Journey vs. Yours

I’m currently investing $50/day into $MSTR every single weekday. That’s my public journey. My conviction strategy.

But I didn’t start there. I started simple.

I made mistakes. I lost money. I learned the hard way.

You don’t have to.

Acorns is one of the few platforms I can recommend with a straight face because it helps you win without the pain.

You don’t have to be an expert.

You just have to commit to starting—and automating.

Don’t Wait for Perfect. Start Now.

People ask me all the time:

“When should I start investing?”

The real answer?

Yesterday.

The next best answer?

Right now.

Because the truth is: you’ll never feel fully ready.

And that feeling has kept more people broke than any bad investment ever could.

So stop waiting. Start small.

Let your money work while you sleep—and let time do the heavy lifting.

Start Building Wealth in Your Sleep

This what smart investing looks like-automated, consistent, and hand-off.

Open your Acorns account here and start investing automatically in under 5 minutes:

Click here to download the Acorns app

Sleep easy knowing your money is growing in the background.

That’s how real wealth is built.