The $40 Decision That Started Something Bigger

Last week, I opened a message from a client that made me smile. Okay, real talk. I was doing a little happy dance inside, super excited and feeling really proud.

It was a screenshot of their investment account. Nothing flashy. No huge balance.

No life-changing return.

Just a small account that represented something much bigger.

Back in June, after our initial consultation, we talked about getting started with investing. They told me that $40 a month felt like a comfortable place to begin. And they really did start. <<visualize a teary-eyed emoji here>>

That made me so proud because they took action.

Since their initial investment in July, they've invested a total of $90 so far and are planning to invest $40 to $50 more in the coming weeks. I can sense the hope and determination to create a better financial future for themselves and their family.

Oh and they proudly mentioned that their portfolio had gained a total of $3. Here's my client flexing to me about their gains. This made me smile even more at the phone.

Now, $3 isn't going to make anyone rich. And honestly, that wasn't what made me smile.

What made me smile was seeing how proud they were of themselves for taking what they learned and putting it into action.

They went from thinking about investing to becoming an investor.

They didn't wait until they had thousands of dollars.

They didn't wait until they knew everything.

They didn't wait until the “perfect” time.

They found an amount that worked for their budget and started there.

That is what I want more people to understand about building wealth.

You don't have to start big. You have to start.

Maybe for you, it's $40 a month.

Maybe it's finally opening that retirement account.

Maybe it's increasing your 401(k) contribution.

Maybe it's figuring out what you're actually invested in.

Maybe it's sitting down with someone and asking the questions you've been too intimidated to ask.

The goal isn't to do everything at once.

The goal is to stop letting uncertainty keep you from doing anything at all.

Sometimes the first investment isn't the money. It's the decision to believe that you can build wealth too.

That's what I saw in that screenshot. And I hope you see a little bit of yourself in it, too.

Give your money a job. Then give yourself permission to start.

Until next Monday,

Monia “Mo”