The $100 Test That Separates Spenders from Builders
- Silivere Bakomeza
- Aug 1
- 5 min read
Most people fail this test not because they’re broke but because they’re blind to what $100 can become.
Every $100 Is a Test and Most People Fail
I’ve seen people spend $100 on a Friday night and never think twice.
Dinner. Drinks. Uber rides. Sneakers. Amazon boxes.
Gone in hours.
But bring up investing that same $100 and suddenly the excuses flood in:
“What if I lose it”
“It’s not enough to matter”
“I’ll start once I make more”
That is the $100 test
Not a test of money
A test of mindset
$100 will not change your life when you spend it
But if you invest it and repeat it, it might change everything
What $100 Spent Looks Like
You spend $100 and get:
A few hours of dopamine
Another item to wear, wash, store, or forget
A full stomach or fleeting experience
A small short-term hit of lifestyle
It is not wrong
It is just over
No equity
No memory
No future
No leverage
Most of the time you cannot even remember what the $100 went toward
What $100 Invested Looks Like
Now flip the lens
You invest $100 and get:
A piece of ownership
A system that compounds
A receipt of identity
A future you start building, brick by brick
It does not feel like much at first
But it starts to shift something inside you
That is what the $100 test is really about
Not “Can you afford it”
But “Can you hold it long enough to matter”
Why Most People Fail This Test
It is not income
It is not intelligence
It is attention span
Most people are trained to:
Spend money as a reward
Chase comfort instead of compound growth
Treat wealth like something other people do
They see $100 as a toy instead of a tool
They trade the long term for the now again and again until it becomes a habit they cannot escape
How I Pass the $100 Test Every Day
I invest into Strategy (formerly MicroStrategy) every single day of the year.
$50 on weekdays (automated)
$100 extra every Monday to cover for Saturday and Sunday (automated)
$50 on holidays (manually)
no decision. No delays. no exceptions
That is:
$350 per week
$1,400 per month
$18,200 per year
Over $365,000 across 20 years
And if Bitcoin performs like I believe it will, the upside could be far greater
But none of that matters unless I pass the test every day
That is why I automated it
That is why I document it
That is why I do not rely on emotion or motivation
This is not a trade
It is a system
Why I Chose Strategy (MSTR) Over Everything Else
I have written about this before in detail
But here is the quick conviction breakdown
MicroStrategy owns more than half a million Bitcoin
Their CEO has skin in the game
They do not flip or trade
They buy and hold
Their conviction matches mine
To build wealth from scratch with public proof and no shortcuts
The Statistic That Shocks People
The average American spends $18,000 per year on nonessential items
That is $1,500 per month that disappears
Now imagine redirecting just $100 per month into a high conviction portfolio for the next 10 or 20 years
That is not speculation
That is leverage through behavior
Flashback That Changed My Relationship with Money
I once spent $150 on sneakers
They were clean
Limited edition
Everyone noticed
Two days later I overdrafted my account
That same $150 if I had invested it into Strategy (MSTR) during one of its 2023 dips would already be worth more than double and still compounding
I never wore those shoes again
But the pain of that overdraft taught me how to see money differently
Want to Copy My Setup and Take the $100 Test
You do not need $1,000
You do not need to be an expert
You need a simple setup and the courage to follow it
Step 1: Open a Brokerage Account
Here are the platforms I use every day
Pick one and connect your bank
Do not overthink it
Step 2: Make Your First $100 Investment
Forget perfection
Forget timing
Forget fear
Pick one asset you believe in
Put $100 into it
That $100 will not make you rich
But it will make you different
Step 3: Automate It Before Emotion Kills It
Motivation fades
Discipline compounds
I do not wake up and decide to invest
It is already done
The secret is not picking the perfect stock
It is building the perfect behavioral engine
$100 Spent vs $100 Invested
Here is what happens if you spend $100 per month versus invest it
Over 10 years:
Spent: $12,000 lost
Invested in market at 7 percent: $19,500
Invested in MicroStrategy: $100,000 plus potential
Over 20 years:
Spent: $24,000 lost
Invested in market: $52,000
MicroStrategy long term: 7 or 8 figures is possible
You do not need to predict the future
You need to choose the direction
Spent money disappears
Invested money multiplies
Identity Shift
This is not about math
It is about identity
Every $100 decision sends a signal
I spend for comfort
I invest for power
I wait for certainty
I build for freedom
That is the real $100 test
It tells you who you are becoming
Take the $100 Test Right Now
The next time you are about to spend $100, pause
Ask what it becomes in five years
Ask what it says about who you are
Make the decision that builds, not the one that disappears
Pass that test once
Then again
Then every week
That is how portfolios are born
And wealth is built from nothing
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Final Word
The $100 test is happening right now
Every scroll
Every swipe
Every decision
Will you spend it on lifestyle
Or use it to buy your future
Most people fail this test
But you do not have to
Builders pass it every time
With discipline
With identity
With proof
Stay in the Game
Want more behavioral investing systems
Your future is a system
Make it automatic
Make it yours
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