Ah yes! The mythical raise that will magically turn you into a disciplined investor overnight. Waiting for more money to start investing is like waiting to get in shape until you can afford a nicer gym.

The issue you need to address is “the habit” of investing. Start small today, and when the raise comes, your investing “habit” can grow with you.

Future you will look back on this day as one of the best decisions you ever made in your life.

If every single dollar is already spoken for, you’re not broke—you’re just running a lifestyle that refuses to leave any survivors!

‘Someday’ is the most expensive word in personal finance. Money will come and go but time is something that never returns. Find $25 and start now.

Automate it to come out of your paycheck. In 2 paychecks, I guarantee you will never miss that money.

Next month is the forever home of every financial intention that never happens!

Start now with something embarrassingly small, or you will keep pushing the start date out until you’ve procrastinated away 30 years of your life with little to show for it, except a 1998 Jeep and a Homer Simpson beer gut from buying your buddies all those snooty IPA’s at the local bar.

Enrolling is so easy, even a caveman can do it!

Don’t let a caveman show you up!

Yes, you could mess up! I messed up so big that my wife almost left me. I recovered and so will you, if you happen to mis-step. You will mess up bigger by doing nothing for the next thirty years and then watch your friends who started earlier, live the lifestyle you dreamed of.

The real danger isn’t a temporary drop in the stock market—it’s the permanent damage of sitting on the sidelines because you were scared of looking stupid.

If you want the easiest way to start right now, open an account and invest in ticker symbol SPYM, which mimics the S&P 500 index. Just keep buying it paycheck after paycheck and watch your retirement goal get closer and closer each year.

Set it and forget it….then pat yourself on the back in 30 years!

• 5 step roadmap to financial security (It’s super easy - don’t be scared).

• Monthly Blog / Newsletter that uncovers opportunities, coaches investing techniques, helps you grow your investing confidence and addresses other money matters.

• For those that might be playing “catch up” I will reveal some of the techniques our family used to go from a negative net worth at age 39, to looking at an early retirement.

• Extra content that won’t be found on social media - some of it could be ‘spicy’.

• Pick solid investments

• Let time do the work

• Invest consistently

• Master the psychology of investing