If you don't take action today, you will be broke forever.

Millionaires and billionaires are building wealth exponentially through investments while you're still reading articles about "how to start investing."

I thought I was late to the game.

I thought I was late to the party.

But here's the truth: there's no excuse not to start today.

Because if not, you'll be broke forever.

I was afraid of investing because I assumed that becoming good requires years of studying financial statements, reading every Warren Buffett letter, and following markets obsessively. But that's cap!

I stopped treating investing like I needed to become a CFO (Chief Finaical Officer) before putting my money to work. Let me share the framework I subconsciously used when I started investing that saved me thousands of dollars and years of mistakes.

We're heading into a world where AI is displacing jobs, youth employment rates are dropping, and everyday people are becoming entrepreneurs. There's going to be massive capital changing hands in 2026 and beyond (it’s lowkey already happening).

The question is: what will you do with that money?

Here's the brutal math: someone who starts investing properly in 2026 versus someone who waits until 2030 will be miles apart. Not a little ahead - miles. That's the power of compounding and exponential growth. One year makes a difference. Two years makes a big difference. Four years makes a huge difference.

Think of it like a snowball rolling down a hill. At first, it's small. But as it goes inch by inch, foot by foot, mile by mile, that snowball becomes indestructible. Your investment account is that snowball. The more it grows, the bigger it becomes. And before you know it, it's so big that it's impossible for you to go broke.

But the window is closing.

Most of my audience is in their early to mid-20s. As you get older 30s, then 40s your window shrinks. Think about average life expectancy: somewhere around 70 years if you're lucky and healthy. If you start investing at 40, you've got maybe 30 years. Really 20, because you want to enjoy the last 10.

But if you start today in your 20s? You get 50 years. Maybe 40 years of active investing. That extra time makes a massive difference.

When I was 18, I started investing with a simple automation to my Roth IRA. I chose the Roth because the contribution limit was $6,000 and that felt achievable within a year. I started with $100. Week by week, I added a couple more dollars. Month by month, I added more. Year by year, I earned more income and contributed even more.

Now? It's close to $100K.

But here's what I wish I'd done differently: I should have stayed consistent from day one. At first, I did lump sums of money. Big deposits when I could afford it. But what I want you to do is build a consistent habit of adding contributions over time. Even if it's $10 this week, $100 next week, $1 the week after. Trust me, it makes a huge difference.

Here's the framework that would've helped me avoid years of mistakes:

Do not just ask yourself "how do I become a good investor?" That's not a goal - it's a vague direction.

Break it down into specific, measurable components:

Once you've identified your true target, break it into parts.

The smartest move? Find someone who's already done it. You can get on a call with successful individual investors, financial advisors, or portfolio managers for $100-200 an hour. That conversation compresses what might take you years of expensive mistakes (people lose thousands, even millions on poor investment decisions) into actionable building blocks.

[Side note - If you’re really broke then watch my content, other personal finance creators, or even spend time on Reddit.]

Ask yourself:

Take action:

Here's the truth: Investing doesn't have to be complicated. You just need to be consistent.

This is pure Pareto's Law: identify the 20% that delivers 80% of results.

In investing, there are thousands of stocks, hundreds of strategies, countless indicators to track. You could spend decades trying to master it all.

Or you could learn that for most people, 3 things matter:

The difference between someone who retires comfortably and someone who doesn't usually isn't knowledge - it's doing the boring fundamentals consistently.

Here is a cool IG of this Guy that does the basic fitness things every single day consistently, and watch how his body transforms. The same thing applies to money.

For the 20% who want active investing: Focus on understanding 10-15 quality companies deeply rather than tracking 100 superficially. Study businesses in sectors you already understand from your career or stuff that actually interests you.

Let me give you an example: Costco.

Think about Costco. They're a grocery store, right? But look deeper:

Recession-proof: In any economic condition - market crash, housing crisis, another COVID - people need groceries. They need food to survive. Costco provides that. No matter what happens, they'll always be in business.

Smart pricing model: You buy in bulk, you buy packages. They don't have massive storage or inventory costs because it's already on the shelves, and people buy in bulk. Less inventory, fewer things to worry about.

Membership cult: People love Costco not just for the brand, but to have the card, be a member, and ultimately feel part of a community.

Kirkland brand: Costco sells their own products. They have great distribution AND they sell their own products that bring in massive revenue (if you have time, watch the video below. It's really insightful).

How do I know all this? It's simple: I looked at their financial statements and got a membership myself to see what the hype is about. Long story short - I am really in the streets.

Your edge isn't information because at the end of the day, everyone has access to Google. Your edge is pattern recognition in domains where you have context others don't.

Read that last 2 sentences again. It's really crucial.

Ask yourself:

Take action:

This is the step everyone skips, and it's why people lose money before they ever make it.

Order matters more than people realize.

Don't start by picking individual stocks. Start with understanding your actual risk tolerance - not what you think it is, but what you discover when your portfolio drops 20% in a month.

Here's the right sequence:

Most people try to do everything at once and panic-sell at the bottom.

Ask yourself: what's the first domino?

For most people, it's automating contributions to retirement accounts. Not sexy. But it's low effort and it is the foundation everything else builds on.

The biggest lie you've been sold: That investing for 3-5 years is enough. That's not investing—that's gambling. Real investing is a 10, 15, 20 year journey. If you're only thinking 3-5 years out, you're playing the wrong game.

Ask yourself:

Take action:

Good intentions to "start investing" aren't enough. Even reading every investing book isn't enough.

You need consequences that drive behavior.

Here's what works:

The amount doesn't matter - the consequence does!

Here's what I've learned as a finance content creator: People aren't actually afraid of investing. They're afraid of making mistakes.

They're paralyzed by the options. They're confused. They're scared they're going to make an error.

Look - you have to try in this world. If you make a mistake, you can fix it. Open that account, even if it's with the wrong bank or the wrong account type. It's okay. You can always fix it.

The mistake you CAN'T fix? Not starting at all.

Ask yourself:

Take action:

This is what separates those who build wealth from those who just talk about it.

The “BUILD” framework means nothing without execution. This is where your automated systems, your accountability mechanisms, and your sequenced learning plan all come together into regular, repeated action.

Once you start investing, don't stop. I don't care if you only have $10 to invest this week, $100 next week, $1 the week after that. Keep going.

And if you mess up, don't worry. Sometimes you have to touch the stove to see if it's hot or not.

One of my biggest regrets was doing lump sum contributions instead of building the habit of consistent contributions from day one. You want that muscle memory. You want investing to be as automatic as breathing.

Ask yourself:

Take action:

The “BUILD” framework is what low-key allowed me to build a strong financial foundation because it operates on deeper truths about investing and wealth building:

The less you know about investing and the less educated you are, the more opportunity others have with money in the future. Less competition. More capital for them. They can do more because you didn't invest your money and match their capital.

The truth nobody wants to tell you: Investing is the only way you can catch up to the wealthy. But more importantly, it's the only way you can leave a legacy for your future kids, family, and future generations.

The “BUILD” framework itself is the skill worth learning. Understanding one company, one strategy, one market sector - those are all surface level steps. The real skill is -knowing how to break down any investment approach, uncover what matters, install the right sequence, and lock in accountability around actually doing it.

Your issue is not your capacity to understand investing, but instead it's your approach to learning it.

Most people are trying to become overnight billionaires when they should be finding the 20% that matters for their goals, putting it in the right order, and creating systems that ensure they actually invest consistently.

Master the BUILD framework once. Apply it to building wealth.

That's how you go from paralyzed by information to systematically building financial security.

Because here's what will be true in 2030:

The person who starts BUILD in 2026 and the person who waits will be miles apart. Not a little different. Not slightly ahead. Miles.

Your future self will either thank you or hate you.

The choice is yours.

Start today. Start now.

Because tomorrow isn't promised.

Luv,

Luv