How Anyone Can Build a pipeline Of

Kids & Money System 
Spend & Give 
 
Save 
 
Invest 
The “spend and give” jar is for immediate spending 
– bubble gum, baseball cards, etc. It’s also money 
to be used for tithing and charity. 
The “save” jar is for spending on bigger ticket 
items, such as a new CD or video game. 
The “invest” jar differs from the first two in that it’s 
not for spending. Ever. Searls calls this jar “…the 
most important component, because if we don’t 
have something to put away for a rainy day, the 
threat of debt will always hover above our heads.” 
Adults who are serious about building long-term 
investment pipelines need to start managing their 
money according to a three-jar system. But instead 
of putting their money into jars, they should put it 
into bank and brokerage accounts. 
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52 
Adults & Money System 
Spend & Give 
Save 
Invest 
(Monthly Expenses) 
(Major Expenses) 
(Pipelines) 

Car payment 

Food & housing 

Fun 

Etc. 

Family vacation 

Kid’s college 

Remodel home 

Etc.
 

Stocks & bonds 

IRAs 

Real estate 

Etc.
 
Pay Yourself First! 
The key to leveraging your money like rich people 
do is to “pay yourself first” by making regular 
monthly contributions into investment accounts – 
and then leaving the money to compound! 
The best way to fund your investment pipelines is to 
take some money out of your income bucket each 
month and deposit it into your pipelines.