Make Any Bill Pay Itself: The ×400 Rule 💡 #personalfinance #investing

How much would you need invested so a bill pays itself? Here's the shortcut: multiply any monthly bill by 400. Why 400? Top high-yield savings accounts pay around 4% right now. After taxes (22% federal + ~5% state ≈ 25%), you keep about 3%. And 12 months ÷ 3% = 400. A $100/month phone bill → $40,000 invested. At ~3% that earns about $1,200 a year, which is $100 a month. Bill paid. A $250/month car insurance bill → $100,000. Paying yearly? Multiply the yearly bill by 33 instead. Assumptions: 4% interest (top savings rates as of Oct 2026, not guaranteed) and a ~25% combined tax rate on interest (22% federal bracket for a married couple earning about $200K, 2026 IRS brackets, plus a typical state tax). Interest only, principal untouched. It doesn't account for inflation, and your rate and tax bracket may differ. Educational only, not financial advice. #investing #personalfinance #passiveincome #money #shorts