Most people will never build real wealth. You know why? Because they hesitate. They overthink. They tell themselves they need to “learn more” before they get started or that they’re unworthy of this form of income. Meanwhile, the people actually taking action are stacking cash, growing their portfolios, and setting themselves up for financial freedom.
If you want to be rich, if you want to take control of your money and stop living paycheck to paycheck, you need to wake up and start investing. No more waiting for the perfect moment. No more excuses. The perfect moment is RIGHT NOW.
Let me break this down for you, step by step, so you can stop sitting on the sidelines.
Step 1: Set Up A Brokerage Account (like, TODAY)
You want to make money in the stock market? First, you need a place to invest. A brokerage account is your ticket in. No account = no investments = no money.
I recommend Robinhood if you’re just getting started. It’s fast, simple, and you can be up and running in minutes. Don’t waste time researching 50 different brokerages—you just need something simple that works.
Here’s what to do:
Download Robinhood (or another brokerage app) on your phone.
Follow the steps to set up your account. Name, email, verification—done.
Move to Step 2 IMMEDIATELY. No stalling, no hesitation.
Step 2: Fund Your Account—put some skin the game
Most people choke here. They set up an account, pat themselves on the back, and then… they do nothing.
Listen: an empty brokerage account does NOTHING for you. You need to invest in yourself.
How much? Whatever you can.
$50? Great.
$500? Even better.
$5,000? Now you’re getting serious.
The amount isn’t as important as building the habit of investing. And no more saying you’re “too broke to invest.” If you have money for Starbucks, Netflix, or eating out every week, you have money to invest. It’s a matter of priorities.
Once you fund your account, move on immediately.
Step 3: Choose Your First Investment (Don’t Overthink)
This is where people freeze up. They think they need to read a thousand books, watch CNBC all day, or get some mystical “hot stock tip” before they invest.
WRONG.
If you’re just starting, let’s keep it simple. You don’t need to pick the next Tesla. You don’t need to gamble on penny stocks (unless you know what you’re doing). You just need a smart, safe, long-term investment.
That’s why I recommend a broad index fund—like the Nasdaq-100 Index Fund (QQQ).
Here’s why:
✔ It’s diversified. You get exposure to 100 of the biggest, most powerful companies in tech—Apple, Amazon, Tesla, Nvidia, etc
.✔ It’s low-cost. No crazy fees eating away at your returns.
✔ It WORKS. The stock market has historically gone up over time—this isn’t a guess, it’s a fact.
Want to own a piece of the biggest companies on the planet? Buy into QQQ. It’s that simple.
Stop Thinking Of Investing As A One Time Thing
This isn’t a lottery ticket. Investing should become habit.
Rich people don’t just buy a stock once and call it a day. They keep investing—week after week, month after month.
If you wait for the “perfect time” to invest, you’ll be waiting FOREVER. The market moves up and down, but over time, it goes UP. The key is consistency.
Going Beyond Index Funds
Once you get comfortable, you can start exploring other investment strategies.
- Employer-sponsored retirement accounts (401(k), 403(b)) : Free money if your employer matches your contributions. No-brainer.
- Roth IRA or Traditional IRA: Huge tax advantages, meaning more money in your pocket long-term.
- Speculative plays (Crypto, Art, Collectibles): High risk, high reward. Only allocate 20% or less of your portfolio to this.
The smart move is to build a strong foundation first (index funds, retirement accounts), then take calculated risks with a smaller portion of your money.
The Biggest Mistake You Could Make
Look, I’ve seen this over and over. People get excited about investing, they do a bunch of research, and then… nothing happens.
They wait for the market to “cool off.” They wait for a better paycheck. They wait to “learn more.”
And while they’re waiting, other people are making money.
The market is not waiting for you. The longer you wait, the more opportunities you miss.
Stop Timing The Market
I’ve been investing for a long time, and let me tell you something: timing the market is a losing strategy.
Even the so-called “experts” get it wrong. They predict crashes that never happen. They wait for dips that never come. Meanwhile, the people who just keep investing, no matter what, end up making the most money in the long run.
That’s why dollar-cost averaging is one of the best investing strategies.
Here’s what you do:
📌 Instead of dumping all your money in at once, invest a set amount consistently (weekly, biweekly, monthly).
📌 When the market is up, you buy fewer shares. When it’s down, you buy more.
📌 Over time, you smooth out the highs and lows and win in the long run.
Think of the stock market like the ocean. It moves up and down, but that doesn’t mean you get out. You stay in, ride the waves, and grow your wealth.
Get Clear On Your Why
Why are you doing this? Seriously. What does financial freedom mean to you?
Never worrying about bills?
Being able to travel whenever you want?
Retiring early?
Telling your boss to shove it?
Get clear on your reason. Write it down. Burn it into your brain. Because when the market dips, when the news tries to scare you, when everyone around you is panicking—you need a reason to stay invested.
Winners Take Action, Start Investing
At this point, you have zero excuses left. You know what to do. You know how to start.
The only question is: Will you actually do it?
Most people won’t. They’ll read this, get excited, and then go back to scrolling Instagram. And they’ll stay in their paycheck to paycheck routine.
But a few of you? You’ll take action. You’ll set up that brokerage account. You’ll fund it. You’ll make your first investment.
And in a few years? You’ll be the one stacking your wealth, while everyone else is still “thinking about it.”
So what’s it gonna be? Are you in or not?
For those of you who are, join me in F40, my 40 day financial sprint. Where investing in stocks is just the beginning to reaching your full financial potential. You’ll finish this sprint with a new confidence around financial literacy and the tools you need to reach true freedom.
Join today at www.freedomology.com/f40
Kommentit