Finding money to invest You may find it difficult to allocate extra money for your retirement savings, but you have two options: Make more money so you have some to invest or Spend less. As you make more money, you tend to spend more. The key is learning to spend less. It may be challenging, but in the end, it's vital to fund your retirement. Even saving a small amount is better than nothing at all. You need to take this critical first step… allocate money to invest and save for your retirement. Here are some simple ways to spend less and save more... What ideas do you have to find money to invest? While the first step is to find the money to invest, you also need to take the next step – start or increase savings through payroll deduction.