Introducing Loose Change

We’re excited to share some big news with you! 

Here at HappyNest, we want to help you achieve your financial goals. That’s why we have developed Loose Change, a tool designed to help you build your nest egg consistently and organically with your day-to-day purchases.

We know it can be hard to put aside chunks of cash into investing accounts. Loose Change allows you to contribute to your investment portfolio incrementally – a few pennies here, a nickel and dime there – over time. A little change in your growth strategy can add up to a big change in the long run. That’s especially true when it comes to building wealth. As the old saying goes: It’s not timing the market. It’s time in the market. 

Consistency and time are the no-so secret ingredients. Loose Change was developed to make contributing to your financial future easy, manageable, and methodical. 

How it works

As you go about your life, Loose Change will track your daily purchases and calculate the number of cents it would take to round up the total to the next nearest whole dollar.

For example, if you buy a coffee and your total comes out to $3.69, Loose Change tallies an additional $0.31 cents to bring that purchase amount up to $4.00 even. 

That $0.31 is called a Round Up. That $0.31 round up gets pooled with other round ups from the rest of your regular purchases. 

Every time your cumulative Round Ups reach $5.00 total, we’ll automatically deduct that amount from your linked bank account and invest it in your HappyNest account. Contributing to your financial future will be a built-in part of your daily life.

How to opt-in

Loose Change is only available to current HappyNest investors. In order to sign up for this feature, you will have to have an active account with HappyNest. 

You will also need the most up-to-date version of the HappyNest app. You can check that you have the latest version by going to your personal profile on your device’s App Store. If you have an older version, you’ll see a button that says ‘Update.’ (You know what to do.) 

Once you have the latest version, hop back into the HappyNest App and login to your account. 

At the top of your HappyNest home screen, you’ll see a banner that says ‘Try Round Ups for Free.’ 

Loose Change opt-in banner in HappyNest app

Click on that banner, and you’ll be directed to the Loose Change self-guided setup process. 

After agreeing to the terms and conditions, you’ll connect either a credit card or bank account through our partners at Plaid.

You can connect Loose Change to credit card, debit card, or bank account. Round-ups will only be tallied based on designated linked payment sources.

Tracking your Loose Change Round Ups 

Once you have connected a payment method to Loose Change, you will be able to view your purchase history and the resulting round ups in your HappyNest account. 

This activity log can be found on your HappyNest profile’s home screen. 

Loose Change Round up activity log in HappyNest app

Turbo charge your nest egg

Loose Change also offers a  multiplier feature on round ups for those who want to turbo charge their portfolio contribution activity.

You can access the multipliers feature by clicking on Account Settings on the Loose Change activity log screen.

There you’ll have the option to add a 2x, 5x, or 20x multiplier to your Round up contributions.

Try Loose Change for free

As a HappyNest investor, we invite you to try out Loose Change free of charge. We want you to see for yourself what a difference your Loose Change can make over time. 

This free trial is good for six months. After that, you can continue to use the feature for just $1 per month.


Can I link more than one account/card to Loose Change?

Currently, Loose Change only supports one linked payment method. We recommend linking your most active account or card to maximize your regular spending activity’s impact on your investing portfolio. 

When I go to sign up, it shows Round Ups as ‘coming soon.’ Am I not eligible to sign up?

If you see ‘Coming soon’ in the opt-in banner on your home screen, you may have to log out of the app, turn off the ‘Remember me’ toggle on the login page, and sign in manually. 

Once you log back in, you should see “Let’s get started’ where ‘Coming soon’ appeared before. If you continue to see ‘Coming soon’ after logging out and logging back in, please reach out to us at and we would be happy to assist. You can also send us a chat message.

Will Round Ups be charged to my linked credit card?

No. If you link a credit card as the purchase log on which to base your Round Ups, the actual drafts will still be deducted from the bank account you have linked to your primary HappyNest account. 

Bottom line

Making your money work for you is the key to financial success and independence. Loose Change is an easy and effortless way to grow your nest egg. Combined with other tools such as our auto-invest feature and dividend reinvestment option, you can manageably build your portfolio into a passive income producing machine. 

Download the HappyNest app:

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Study finds money can buy happiness after all – but it’s getting more expensive

What is the relationship between money and happiness?

There’s an oft-quoted 2010 study which found that reported levels of happiness started to taper off once a $75,000 salary had been reached.

In other words, while higher income levels still reported higher levels of happiness, the degree of increase got smaller further up the income chain. 

For years, $75,000 was seen as the happiness sweet spot. 

Earlier this year, a new study that surveyed over 33,000 people – and over 1.7 million experiences between them –  contradicted this finding. 

According to the follow-up study, reported levels of happiness and well-being continued to trend upward at an equal incline and in tandem with income level, well beyond the inflation-adjusted salary of $80,000 (what the researchers determined as the 2021 equivalent of $75,000 in 2010). 

So what happened? Did we get greedier? More superficial and materialistic? Grow further apart? Why do money and happiness have a tighter correlation now than they did in 2010? 

The problem with comparing these studies is that it’s comparing apples and oranges. If anything, it raises further questions about the relationship between money and happiness. 

To better understand that relationship, we must first consider what happiness is. For that, we turn to the world of psychology. 

What is happiness?

Numerous studies have found that happiness itself isn’t directly based on money. But money is a variable in many of the things that are.

For example, interpersonal relationships have been found to be a central tenet of happiness, but financial problems are among the leading causes of divorce. 

Marriage isn’t the only kind of relationship of course. Regardless, the amount of time available to spend with friends and family can certainly be influenced by income. 

Health is a component of happiness, but access to health care and a nutritious diet are also correlated with income level. 

In many ways, money impacts how much of our time and energy can be devoted to the things that make us happy.

Lessons from the world of psychology

To some, happiness means jet-setting around the world, having new experiences, and meeting new people.

To others, it includes watching some rugrats grow up in a happy, healthy home that can support all their needs. 

Considering the differences from person to person, expressions of happiness as a starting point introduce too many variables to control for. 

So we’re going to slide right on over to the opposite side of the spectrum – the absence of happiness – as the starting point. What characterizes an absence of happiness?

When we consider a host of psychological conditions associated with happiness (or a lack thereof), such as depression and anxiety, we find that they tend to have some commonalities. They may have different symptoms, but almost all of them have roots in a lack of control over circumstances and a sense of hopelessness.

At its core, hope is based on progress. Progress is forward-facing and requires a genuine belief that you have some efficacy over outcomes.

Without a sense of personal efficacy and progress, it’s hard to imagine anyone reporting that they feel happy. 

The inflation rate of happiness

Money gives us control over many of life’s circumstances. Being able to pay for housing, bills, food, car repairs, and other needs eliminates major stressors that detract from a personal sense of well-being. 

Money is also a tool that enables us to pursue our own version of happiness, whether that be more time with family and friends, traveling around the world, or getting a new car. 

Consider this: In 2010, the average cost of a new home in the U.S. was just shy of $279,000. That’s about 3.7x the salary of someone making $75,000.

In 2021 to date, that figure looks much different. The average cost of a new home clocks in at $408,800. Even with the “inflation-adjusted” income of $80,000, that’s a 5.1x multiple – a difference of over 33% – in just eleven years. There’s little sign this trend is slowing. 

And it’s not just real estate. Other living expenses have also continued to climb faster than inflation rates capture

It makes sense, then, that the reported level of well-being continues to rise well beyond the $80,000 benchmark. The benchmark has less buying power. 

The price of happiness, it seems, is a moving target. Americans are increasingly falling behind the level at which they feel financially secure and fulfilled. They continue to grapple with financial stressors at higher and higher income levels.

Solving for why

But why? They did all the right things. They went to college, got the job, worked hard, climbed the ladder, saved…the whole enchilada. This raises questions around personal success, fulfillment, competence, and progress – questions that address the ‘why’ the two studies arrived at different conclusions.

After all, few people have influence – or even a real understanding – over macroeconomic trends that impact their finances. An inability to meet milestones when in reality, the goalposts are moving further away, is a recipe for hopelessness.

Perhaps the relationship between money and happiness hasn’t changed fundamentally. It’s just that happiness has gotten a helluva lot more expensive.

Getting off the treadmill

So are we stuck on a treadmill of existential dread, falling further and further behind our goals – and our shot at the pursuit of happiness?

Not necessarily. The key lies in understanding that the 9-to-5 trajectory, on its own, has diminishing returns. Acknowledging this reality – and strategizing around it – is the first step in exerting more control over your financial life and future.

Warren Buffet says: “If you don’t find a way to make money while you sleep, you will work until you die.”

The best way to grow money while you sleep is by making your money work for you. 

Many people feel they can’t afford to invest. This is a critical fallacy, because in reality, they can’t afford not to. It’s a common misconception that investing is for people who wear monocles and have chauffeurs. Thanks to technology, investing is becoming increasingly democratized.

HappyNest and happiness

HappyNest, for example, only needs you to invest $10 to get started. That money starts to generate more money for you immediately. By reinvesting your gains, you can reap the wealth-building benefits of compound interest and turbocharge your nest egg’s growth. 

HappyNest is a low-risk investment that produces steady returns every quarter. With two commercial properties currently leased by stable tenants like FedEx and CVS for 8- to 10- year terms, you can enjoy consistent dividend reinvestments (or payouts) as well as the appreciation of the real estate, an investment class dominated by the wealthy due to its capital intensive barriers of entry.

Starting and growing a nest egg offers control over your finances, peace of mind through stability, a sense of progress toward financial goals. Perhaps most importantly, it offers hope for the future – a solid foundation for the pursuit of happiness. 

Because the best thing about having money…is not having to think about money.

We Couldn’t Be More Eggcited: HappyNest is Officially Available for Download TODAY!

As of today, HappyNest commercial real estate investing app is available for both Apple and Android devices.

Okay, but let’s take a step back.

For those of you that don’t already know what HappyNest is and what we’re about, HappyNest is a mobile commercial real estate investing app that provides everyday people like you and me with access to top-quality, high-performing real estate investments. HappyNest is making the entry into this asset class easier, allowing everyone the ability to truly diversify their investment portfolio.

When it comes to investing, many of us consider the stock market the ultimate (or even only) financial investment option. After all, that’s how it’s usually portrayed in the media. Without a diversified portfolio, however, each and every one of us risks losing large amounts of money from a dip in the market.

An often-overlooked alternative investment class is Real Estate Investment Trusts (REITs). REITs (pronounced “reets”) allow each investor to own a stake in real estate properties that have the potential for both share value appreciation and dividend-based income (derived from rent and real estate value growth, of course).

If you don’t believe us, just look at the numbers: between 1960 and 2015, REITs outperformed global stocks, averaging 6.43% per year, compared to just 5.45% for global stocks.

HappyNest Commercial Real Estate Investing App Origins and Mission

Our founder and CEO, Jesse Prince, recently discussed the impetus behind HappyNest: “I created HappyNest so that investors, regardless of their financial means, could achieve their savings and investing goals.

Our easy-to-use mobile app removes all of the traditional barriers to investing in commercial real estate with a $10 minimum investment. It’s part of our mission to educate investors about the benefits of having a diversified financial strategy that includes options like real estate investing so everyone can have a brighter financial future.”

Traditionally, accessing non-traded REITs has been very difficult for several reasons. Among them: high minimum costs for investing, high management fees, and high front-end load fees.

At HappyNest, we try to do things differently. If you use our app, you’ll have access to a high-quality REIT for as little as $10. In addition to the flexible investment options, investment education, and guidance we provide on real estate investment best practices. HappyNest will allow you to:

  • Easily Access a Top Real Estate Fund. An easy-to-use, intuitive user interface will allow you to set up and manage your accounts quickly and easily.
  • Invest With Flexibility. Invest in amounts that meet your lifestyle and investment goals. Quickly choose your goals and determine how much you need to invest in order to meet them.
  • Maximize Investment Returns. Take advantage of reduced fees to ensure your investment dollars are working for you–not an investment manager.

The HappyNest app allows everyone to diversify their portfolio through commercial real estate investment and gain access to an asset class that has proven itself as a secure, high-performing, long-term investment option.

For more information on our app or our company, visit Download HappyNest for iOS or Android and start planning for your financial future today.

About HappyNest

HappyNest is an app that allows investors to unlock the potential of real estate, starting with just $10. Experience the stability, tax benefits, and wealth creation traditionally reserved for the wealthy–all from a smartphone–with HappyNest’s commercial real estate app. Investors can own an equity interest in a portfolio of high-quality commercial real estate. While they hold, they will continuously receive dividends for years to come. Visit and follow us on Instagram, Facebook, and Twitter for more information.

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