What does it take to be considered rich? A net worth of around $2.2 million, according to Americans who participated in Schwab’s 2022 Modern Wealth Survey.

What does it take to feel rich? A few financial tools and products you can use, even if you’re on a budget.

From credit cards with luxury perks to money-earning banking accounts and apps, you can give yourself VIP treatment with just a little know-how. Below, CNBC Select outlines several simple ways you can feel wealthy without a couple of million dollars to your name.

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1. Get an investing app

Perhaps one of the best ways to feel better about your financial situation is actively working to improve it — faking it till you make it will only get you so far.

Investing is an essential method of building wealth but it may seem difficult to get into when there’s little room in your budget for it. Plus, as a beginner, you might not know where to start.

An investing app may be a good place to begin. It allows you to automate the process and invest small amounts of money. For instance, Acorns can be a good choice for novices: It lets you put your spare change into diversified ETFs by linking your cards. The app tracks your purchases, rounds up the transaction amounts to the nearest dollar and invests the difference. This way, you can dip your toe into investing without going all in or overloading your budget.


  • Minimum deposit and balance

    Minimum deposit and balance requirements may vary depending on the investment vehicle selected. No minimum required to open an account, $5 minimum to start investing

  • Fees

    Fees may vary depending on the investment vehicle selected. Monthly plans include: Personal ($3 per month) and Family ($5 per month)

  • Bonus

  • Investment vehicles

  • Investment options

    Diversified ETFs which include more than 7,000 stocks & bonds

  • Educational resources


On Robinhood’s secure site

  • Minimum…

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