The Secret to Investing (Even When You Feel Broke)

Hi friend,

Let’s be honest—investing feels intimidating when you’re fresh out of school or just starting your career.

You want to invest, but then the doubts creep in:
❌ “I don’t have enough money yet.”
❌ “What if I lose everything?”
❌ “I don’t even know where to start.”

Sound familiar? If so, you’re not alone. Many people delay investing because they think it’s only for the wealthy or the financially savvy. But here’s the truth:

You don’t need to be rich to invest. You need to start small, be consistent, and think long-term.

The Real Reason People Struggle to Start Investing

Most of us were never taught how to grow money—we were taught how to earn it.

We focus on salaries, side hustles, and promotions. But when it comes to making our money work for us, we feel lost. That’s why people hesitate, overthink, and stay stuck in financial survival mode.

But here’s what they don’t tell you: Investing isn’t about making big moves. It’s about small, smart decisions repeated over time.

How to Start Investing (Even If You’re Broke)

The key to investing is starting before you feel ready. You don’t need thousands—$10, $50, or $100 is enough to begin. Here’s how:

1️⃣ Get Your Financial House in Order

Before investing, ensure you have:
✅ An emergency fund (at least 3 months of expenses saved).
✅ No high-interest debt (like credit card debt).
✅ A budget that allows you to invest regularly.

2️⃣ Start Small with Low-Risk Investments

If you’re a beginner, here are easy ways to start investing:
💡 Micro-investing Apps: Platforms like Bamboo or Chipper Cash let you invest in small amounts.
💡 ETFs & Index Funds: These spread your money across multiple stocks, reducing risk.
💡 High-Interest Savings Accounts: A great way to earn interest while keeping money liquid.

3️⃣ Set Up an Automatic Investment Plan

One of the best strategies? Pay yourself first.
Set up an automatic transfer—no matter how small—to an investment or savings account each month. This removes emotion from investing and builds discipline.

What Happens If You Wait Too Long?

Let’s break it down with a simple example:

💰 If you invest $100 per month starting at 22, with a 10% return, you’ll have over $1.3 million by age 60.

💰 If you wait until 30? That drops to $584,000.

The difference? Time.

Compounding works best when you start early, even with small amounts. The longer you wait, the harder it becomes to catch up.

Your Action Plan: Invest Your First $10 Today

I challenge you—start today. Open an account on an investing app, deposit $10, and take that first step.

Don’t let fear keep you broke. Your future self will thank you.