Making Money Moves

When Is The Best Time To Start Investing?

Alright, so you have $100 in your back pocket. You already took a look at our important money moves. You’ve got the emergency fund underway, opened a high-yield savings account and your mind has wandered… you’ve been wondering…is now the best time to start investing?

When Is The Best Time To Start Investing? Is Now A Good Time To Start Investing?

For the most part the simple answer is yes (we’re not financial advisors and we’re here only for education so remember that. Only you can truly decide for yourself). Assuming you’ve made off high-interest debt, invest in your retirement accounts, and have those savings, it’s worth reading more about the best time to start investing.

Is it too early for me to learn to invest and actually start investing?

It’s never too early to learn to invest and actually start investing. It’s not sexy, but starting early and letting that money grow is the easiest and best way to comfortably grow secure and rich. 

If you start investing early, you have longer to ride out the yearly ups & downs that come with it. Plus, you get that sweet, sweet, glorious  compounding interest. If you can start to build wealth in your 20s (or even earlier you whipper snapper Gen Z punks!), you’ll get the luxury of time. Honestly, time is the secret to getting rich. But it’s not a secret, either. Please keep in mind that while you can gain a lot from investing, it can also be risky and you can lose money from investing too. But usually that’s if you’re being sassy about it, chasing hot tips, and not educating yourself. That’s why we’re here. 

If there’s one thing you take away it’s this: the longer your money is invested, the longer it has to compound, build value, and also rebuild value from a fall. 

We are strong believers that although earlier is better - you can build wealth at any age. So, our beloved reader, no matter how old you are - today is the day! 

Ok, cool. I’m ready to start investing. I’ve decided this for myself. How much should I invest as a beginner?

We don’t like *shoulds*. We’re not advisors, remember that, so we’ll never tell you what you *should* or *shouldn’t* do. But here’s the thing: you don’t need a ton of money in order to invest. Yeah yeah, you’ve heard it all with apps like Robinhood or whatever. But it’s true. Before, you had to have money to invest. Now, literally just about anyone can invest (and if you’ve sorted your money sh$t out, it’s a good move).

Alright, so how much should you invest as a beginner? The truth is, gone are the days (well kind of) where only rich men in fancy suits make up the investing world. Forget what you hear in the movies - $1m dollars here and $1m there - you can literally start investing small, with that $100 we talked about.

Alright but I’m still not convinced because what if I lose my money investing?

No one can 100% accurately time the market and enter at the ‘perfect moment’. That stuff is BS no matter what that bogus dude on TikTok is telling you about his latest hot tip. FYI, if he’s telling you a tip, then you’re already too late. So what should you do instead? Definitely don’t sit around waiting to be an expert at investing or waiting for someone to tell you “now is the right time.” It’s not about timing the market. It’s just about being in the thing to begin with. And as long as you know some solid fundamentals, you’ll be just fine.

You don’t need all the answers to start investing in stocks or bonds or index funds. You don’t need to be an expert on what are good investments to make money. The point is to start investing small, but often – and stay consistent.

Eh… but my husband/boyfriend/brother/dad just tells me what to do.

Ok, that’s fine and dandy but seriously we’re in the 21st century here and ladies it feels MUCH BETTER to know what we are doing for ourselves with our own damn money! Money is power, y’all, so let’s figure out how to make it, invest it, earn, grow it.

Women should start investing so we can get this gender wealth gap to CLOSE, or at least shrink it a hell of a lot - we’ll take that as step one.

Overall fewer women invest compared to men. Yet statistically, women earn less, take more career breaks to care for children or family AND live longer. That’s just the necessities; what about us wanting to have more freedom, control and autonomy over how we live our lives? Wealth (money) helps with that. You deserve to invest in yourself as a woman, the independent and superstar being that you are! And trust us, as women who invest ourselves, the feeling you get of being that confident, money person is not *drip* emojis, it’s empowering *muscle* emojis, it’s actually just plain awesome. 

Our parting thought for you today is that research has shown that overall women are better investors than men, with Fidelity Investments’ 2021 Women and Investing Study showing that women investors outperformed their male counterparts by 0.4% in 2021.


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