We all have our guilty pleasures. For some, it’s overpriced smoothies. For others, it’s takeout dinners or daily Starbucks runs that somehow add up to $5, $7, sometimes $10 a pop. On their own, these are small indulgences—harmless little routines that bring comfort, especially during long workdays or rushed mornings. But here’s the thing: when those routines become habits, they quietly start stealing from your future. Spend $5 a day at Starbucks and you’re out $100 a month—which doesn’t sound like much until you realize that same $100 could be building you passive income, quarter after quarter, from real estate.
Yes, real estate. You don’t need to buy a whole house, take out a mortgage, or become a landlord. A new platform backed by Jeff Bezos called Arrived makes it possible to invest in actual rental homes for as little as $100. You earn income from rent. You get a cut of the profits when the property appreciates. And the best part? You don’t have to do anything. Arrived handles everything—repairs, tenants, property management—while you collect passive income. So the next time you tap your card for a $6 latte, ask yourself: what if I invested this money instead?
What Can $100 Actually Do?
Let’s zoom out. If you redirected just $100 a month—roughly the cost of 20 lattes—you’d have $1,200 saved by the end of the year. With Arrived, that’s enough to buy shares in 10+ different properties. And each one could be paying you quarterly rental income, even while you sleep. That money doesn’t just sit there—it works for you. Properties on the platform have targeted annual returns of 5.4% to 7.2%, based on a mix of rental income and property appreciation. Over time, that $100/month doesn’t just replace your coffee budget. It builds into something much more powerful: a growing stream of passive income tied to real assets.
And unlike a savings account or a 401(k), you don’t have to wait decades to see the results. Once the home you invest in is leased, you start receiving your portion of the rent. It hits your Arrived dashboard every quarter. You can reinvest it, cash it out, or let it accumulate. You’re not just buying a stock. You’re owning a slice of a real, income-generating home.
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Why Arrived Makes It So Easy
The brilliance of Arrived is in how simple they’ve made it. You don’t need to be a real estate expert. You don’t need to scout neighborhoods or deal with mortgages. You just create an account, browse available homes, and invest as little as $100. You can filter by location, rental strategy (long-term or vacation rental), or return profile. Every listing includes detailed projections: how much rent it’ll bring in, what your annual yield might look like, and what the target hold period is (usually 5 to 7 years).
After you invest, Arrived handles everything. They work with vetted local property managers, maintain the home, collect rent, and send you your share of the income. You get quarterly updates, performance reports, and full transparency. No spreadsheets. No tenants calling about broken garbage disposals. Just clean, steady rental income without the stress of ownership.
The Latte Factor
You’ve probably heard of the “latte factor”—the idea that small daily purchases can add up to thousands over time. But most advice stops at guilt: skip your coffee, save your money. That’s fine, but it’s only half the story. What matters more is where that saved money goes. Saving for the sake of saving can feel demoralizing. But investing those same dollars into something tangible—something that grows, pays you back, and gives you a sense of ownership—feels empowering.
That’s what makes Arrived so different. It turns a budget cut into a real opportunity. You’re not just tightening your spending. You’re building a portfolio of real estate—something previous generations needed tens of thousands to access. You’re earning rent. You’re participating in appreciation. You’re becoming a real estate investor… without the landlord lifestyle.
From Coffee to Cash Flow
Let’s do the math: If you invested $100 a month in Arrived for five years and averaged a 6.5% return, you’d end up with $7,000+, including both contributions and growth. That’s without even factoring in rental payouts along the way. Reinvest those quarterly dividends, and you could accelerate your gains even further. Keep it going for a decade, and you’re now sitting on a meaningful chunk of income-producing real estate—built one month at a time.
Will it replace your full-time income tomorrow? No. But it’s a real, compounding source of wealth that grows each time you make a choice to invest in your future instead of spending on something forgettable. And the more consistent you are, the more powerful it becomes.
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It’s no wonder Jeff Bezos holds over $250 million in art — this beloved alternative asset has outpaced the S&P 500 since 1995, delivering an average annual return of 11.4%.
Why You Should Stop Spending $100 on Starbucks a Month and Invest in Real Estate Instead originally appeared on Benzinga.com.
