How to invest as a beginner (and everything to do BEFORE that!)
Video Overview & Insights
FINANCES. Stocks. 401k. Mutual funds. Investing. Where to begin?? This can be a daunting topic for most (I’ve been there…) but I want to share with you all some of the lessons I’ve learned throughout the years on what’s worked for me to simplify the process.
I’m honestly speechless looking at where I was a year ago compared to now. Huge thanks to Mrs Charlena Christian for the mentorship. It’s one thing to understand the markets, but it’s another to have a guide who actually helps you reach your family goals. I finally reached the milestone I promised to share. Truly thankful for the guidance! 🙌
00:00 - Intro
00:53 - When do you start investing?
Hit $190K after years of discipline. This isn't just about money-it's about transformation: from nothing to stability, from mistakes to wisdom, and now a family that understands how to keep wealth alive for generations. That's the true..
02:27 - What is a high yield savings account?
04:13 - Should I pay off my debt or invest?
This is really simple and very educative. I will withdraw my profits of over 72k (seventy two thousand dollars) this very good month
05:25 - How much should I be investing?
06:22 - Different types of retirement accounts
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert
10:16 - Investing as a beginner: mutual funds vs. ETFs
12:33 - My personal investing strategy
These last days i was so nervous think about the inflation and crisis, im so glad i managed to find a way to make some profit out of this situation, for public utility, the video that teached me is public and is named “How to Profit in the Financial Crisis by Michael Thompson” 🚀
13:56 - I don’t have enough to invest.. what should I do?
MENTIONED ❤︎
Great tips, thanks for sharing!
❐ Happy Panda FIRE flow chart: https://www.edrawmax.com/article/fire-flowchart.html
❐ ETF vs Mutual fund: https://www.fool.com/investing/how-to-invest/etfs/etf-vs-mutual-fund/
Really appreciate the insights in this video.
❐ Warren Buffett example: https://www.investopedia.com/articles/investing/030916/buffetts-bet-hedge-funds-year-eight-brka-brkb.asp
❐ The stock market’s annual returns: https://www.personalfinanceclub.com/the-stock-markets-annual-returns/
Great job, this video was very useful!
❐ Marcus by Goldman Sachs High Yield Savings Account: https://www.marcus.com/share/MIK-R2L-AQBM
❐ SoFi's High Yield Savings Account: https://www.sofi.com/banking/savings-account/
I turned 38 this year. Last month alone I made $100k but the moment that made me cry wasn't the money - it was seeing my whole family around one dinner table after everything we survived together. There were years I truly thought life was over for me. Keep fighting. Your current situation can change in one season.
OUR SOCIALS ❤︎
➱ Instagram: https://www.instagram.com/mikirai/
7 months ago I left my manual labor job to do daytrading , not to be super rich , but to have more free time and not worry so much about money and today i will say It's the best decision i ever made all my life. i get paid from trading every month and I will withdraw my profits of over $75k (seventy five thousand dollars) this very good month
➱ Kev's Insta: https://www.instagram.com/k3vmd/
➱ TikTok: mikiraiofficial + k3vmd
I went from my first 100K to 435K in a few months, but this isn't just about the money, it's about staying disciplined, consistent and creating a good cash flow not all of us were financially literate early in life, some have money and don't know how to invest it but working with a professional changed a lot for me.
➱ Shop all my favorites: https://www.amazon.com/shop/mikirai
PODCAST ❤︎
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☆ Instagram: https://instagram.com/scrubsandsoysauce
☆ TikTok: https://www.tiktok.com/@scrubsandsoysauce
Fantastic video, really appreciate your effort!
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☆ Apple Podcasts: https://bit.ly/sassonapple
A boy taught you how to do this
MUSIC ❤︎
❐ Epidemic sound
After spending two years paying off all my debt, I'm now in a position to put away £79660 a month. So the plan is £660 in an emergency fund and invest the remaining £79k.
More User Perspectives
This was informative!
@MartaLacey-q1fHow can I make good profit as a beginner starting with 10K.....
@makarlokarlHi everyone, I’ve lately developed interest in investing but I’m still unsure where exactly to begin or what actions to take first 😊
@Andrew-MikeNOW I've hit $170,590. I was having this exact conversation with my son the other night-generational wealth isn't just about getting money. It's about teaching everyone not only how to make it, but also how to maintain it. It does no good for me to provide for my family if they don't understand how to manage and sustain it...
@DenisonGabriel-n8vStarting out in trading, and I've realized how important it is to have the right guidance. I'm really thankful for the support and insight I've gained from my mentor, ..it's made the learning process a lot smoother and more focused.
@AntonioRobert-l8rTruly deserves more attention.
@devon.clipzzz😮
@juaninfante5659Thank you for the video, these last days i was so nervous think about the inflation and crisis, im so glad i managed to find a way to make some profit out of this situation, for public utility, the video that teached me is public and is named “How to Profit in the Financial Crisis by Michael Thompson” 🚀
@VicenteJohanCelestinoYou’re on a whole different level as a teacher!
@Gaidn-e2kRetired at 38, earning 45k biweekly... But honestly, the money isn't even the highlight. What means the most is having a family that stood up by me when life was tough. I'm living the life I once prayed for. If you're still fighting your battles, don't lose hope_your season is coming ❤
@BenjaminLevi-u3uHow much any person saved for retirement doesn't matter much, what matter first is how much of income from other sources you have and how much you spend. If you spend more than coming in, amount of saved money gets in play.
@AdamMarvoSuper helpful
@HerAscentOfficialGreat video!
@FinanceMadeSimple-05I’m interested in investing but have no idea where to start. Please any suggestions or someone I could reach out to?
@SophiaAdele-y2kLoved this video, keep up the great work!
@IukjhggvcsxrghuhnbcIf u have credit card debt, should u pay it off or go to a credit person that can help clear it? Because they say that even if u pay ur debt off ur credit score wont get better and u still wont be able to get future credit because of the bad reports from not paying past debt
@-purplemoon-9256What’s a rollover ira
@FreemymansWow, this is pure gold! Beginners, take note: it's not just about earning, it's about learning to make your money work for you. Thanks for breaking it down so clearly
@HelenaTony-i4lI feel unstoppable after watching this!
@alejandrajennifer-u9sGreat video—now I've hit $170,590. I was having this exact conversation with my son the other night-generational wealth isn't just about getting money. It's about teaching everyone not only how to make it, but also how to maintain it. It does no good for me to provide for my family if they don't understand how to manage and sustain it
@MirandaCole-d6tThe bot advisor comments are a good reminder: If a strategy depends on signals, gurus, or someone else telling you when to move... that’s already a weak foundation.
@egakutoriSo where do u buy these index funds? Is it an app or something? The only thing I’ve ever explored as far as stocks is the little section that Cash App has. I really want to get into this but I am a super beginner. Someone help lol
@kellynxoI’ve been hearing a lot about Expert Ann, especially with Bitcoin dipping. After looking deeper, her approach feels structured and focused on strategy rather than hype.
@Jacob5346-m1obest advise ever
@RabbitRevenueWarning- There's a bunch of bot comments name dropping "financial advisors" be careful they could be scams🐼
@BRÜCKERWINJAIR😮😮
@Mike_investing078Love that this focuses on preparation first—budgeting, savings, and mindset before investing.
@dhanguardbusinessbankingco4923After consuming countless forex videos and courses, it becomes obvious who is teaching for views and who is teaching for understanding. The difference is in the depth, the structure, and the realism. This is one of those rare cases where the focus stays on learning the craft properly.
G🔎 Willie Wong FX
Discipline, consistency and patience
@zuozhen4758Man, you've genuinely changed my life. I was a college dropout, down to my last bit of savings, I've decided to learn trading from scratch. followed your teaching and those lessons became the foundation for my own trading style. Today, my stop loss alone matches what my former teachers make in a year. I've built my capital without any funding. You’re the only one out here who truly cares about teaching us the real deal. Thank you for everything!
@SteveLawson-e1sGreat advice!
@พัชรินทร์โต่นวุธI’m actually pumped to try this now!
@MdMHasan-y4lThis is on another level of helpful!
@ShekhMasir-o3lThis tutorial hit me with knowledge like a plot twist.
@SomirBag-i7t