@megofmeans: If you wait until you have a high salary to start investing, you are financially sabotaging yourself. But it’s not for the reason you think—It’s not about missing out—it’s about how hard you’re forcing your future self to work. Comment ‘WS’ for the link to favourite investing platform if you’re ready to get started (you’ll get $25 when you open an account—TFSA, RRSP, et cetera—and put in just $100). Here Investor A finishes with nearly $180,000 more, despite investing the exact same amount of cash. Why? Because compound interest is a game of momentum. Front-loading your portfolio gives you the massive advantage of time—decades to compound. This exact data is why I’m front-loading my portfolio as much as possible right now. I want time to do the heavy lifting so I don't have to. Does this mean you shouldn't start if you only have $50 or $100 a month? Absolutely not. It means the exact opposite. You can't get time back, so even if you're not front-loading, time is still your most valuable resource. If a dollar invested today is worth three times more than a dollar invested a decade from now, then waiting until you have a massive salary to start is financial sabotage. You don't start small because $50 is going to make you a millionaire tomorrow. You start small because building the mechanical habit of investing now is the only way you’ll know what to do with big cash—bonuses, tax refunds, raises—when you get them later. No matter where you are starting from, stop waiting for the perfect income. Give time more time—it’s your best friend when it comes to investing! *assumes a 7% return. _ #fintok #moneytok #investing101 #PersonalFinance

Meg: Oversharing, Under budget

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Tuesday 16 June 2026 19:09:47 GMT