The deteriorating economic situation caused by the economic crisis that began in 2014 with the imposition of sanctions against Russia from its Western «partners» has also affected the social and economic indicators of the Kemerovo region. Before 2016, real disposable incomes of citizens had been decreasing due to high inflation and a nominal wage cut. In 2017 the country started recovering from the crisis due to the so-called import substitution. However, the situation is still far from the pre-crisis level. Economic instability and the risk of depreciation of accumulated funds are forcing the residents of the Kemerovo region to increase the share of the saved income. The low level of financial literacy of the Kuzbass citizens leads to the fact that the population prefers to keep savings either at home or on a deposit account. This form of savings, although convenient and virtually risk-free, will neither save the accumulated funds from inflationary depreciation nor bring any significant income. The aim of the article is to study the issues of personal income investments as a factor in improving the quality of life of the residents of the Kemerovo Region using the example of the monotown of Yurga.