Investing 101: A Beginner’s Guide to Building Wealth

Investing Isn’t Just for the Wealthy

You don’t need a six-figure salary or insider knowledge to start investing. What you do need is a little education, a bit of discipline, and the willingness to start small and think long. Investing isn’t about getting rich quick—it’s about building wealth slowly, steadily, and smartly.

And the best time to start? As soon as you can.

Know the Basics

Before you dive in, understand a few key terms: stocks (ownership in a company), bonds (loans to companies/governments), mutual funds and ETFs (baskets of investments), and compound interest (the magic of your money earning more money over time).

If that feels overwhelming, you’re not alone. But here’s the truth: you can learn this. And once you do, it’s empowering.

Start Where You Are

Begin with what you can afford—whether that’s $50, $500, or more. Use platforms that offer low-fee index funds or fractional shares. Set up automated monthly contributions, so you’re investing regularly without thinking about it.

You don’t need to pick winning stocks. You just need to stay consistent, avoid panic selling, and give your money time to grow.