I'm a millionaire.
If I wanted to invest as a beginner, I'd do this: 🧵
(Starting with $100)
Most people think you need thousands to start investing.
But that's wrong.
I started investing with less than $100. Here's how:
Level 1: High-Interest Savings (Risk: 1/10)
It might be boring, but it's absolutely essential.
This is where you build your emergency fund in case anything goes wrong.
My emergency fund saved me $200 when my apartment's water heater exploded. No payday loans and no debt.
Level 2: Gold (Risk: 2/10)
Since 1913, the dollar lost 95% of its value. But gold hasn't changed.
A $100 gold nugget from 2000 is worth $580 today.
You can buy GLD on your brokerage or physical gold. Gold protects wealth, but it doesn't multiply it fast.
Level 3: Index Funds (Risk: 3/10)
Warren Buffett bet $1 million that a simple S&P 500 index would beat professional hedge funds.
He won.
Think of it like a bag of sweets, you get the best companies (Apple, Amazon, Microsoft) without picking individual candies.
Level 4: REITs (Risk: 3/10)
Imagine 3,000 people pooling $100 each to buy a $300k property and everyone shares the rent.
That's a REIT.
You own a piece of offices, malls, apartments, without being a landlord. The 10-year average beats the S&P 500.
Level 5: Flipping Items (Risk: 4/10)
My friend bought a car for scrap at $100. Sold the parts for $445, and scrapped the rest for $45.
That's a 490% return!
Cars, Pokemon cards, golf clubs all sell well, but flipping is riskier than the previous options.
Level 6: Individual Stocks (Risk: 6.5/10)
During the dot-com boom, I picked winning stocks using fundamental analysis. Some went to zero, others did very well.
You should only invest in individual stocks that you understand and are confident in.
Level 7: Cryptocurrency (Risk: 9/10)
Bitcoin was the best performing asset of the past 10 years.
It's extremely risky, but still very attractive.
I keep a small percentage in my portfolio.
Level 8: Lottery (Risk: 10/10)
This isn't something I recommend. But 57% of Americans buy tickets yearly.
Your odds? 1 in 14 million. You're 4,000x more likely to win an Oscar.
I spent $100 and won back $50.
That's a -50% return! Any other investment here would've grown.
You don't need to be rich to start building wealth.
You need to understand risk, start small, and keep climbing.
Your investing journey starts with choosing your first investment with less than $100.
What do you like to invest in?
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