Investing is a choice. Either you choose to invest and provide for your future, or you don’t.

Even people on modest incomes can choose to invest because most of the time, at least in our Western societies, we all have some disposable income. And that means we can make a conscious choice to spend that disposable income on stuff we don’t need or to invest it for the future.

Unfortunately too many people choose to buy things they don’t need.

I’m sure most people know at least one person who is always complaining about not having enough money to buy a house or save for retirement while at the same time continually buying fancy clothes, running up credit card debts and borrowing money to go on cruises.

Investing is a decision smart people make to delay the instant gratification of receiving something they don’t really need right now for the superior benefits of getting something much better in the future.

And when you invest correctly and your money starts earning more money without you having to work for it, you open up a new world of possibilities. Having a significant investment portfolio gives you the flexibility to do what you want rather than doing what others, like your boss for example, want you to do.

The flip side is also true. If you have no investments and no passive income, you have a very limited number of options. You must continue to work, perhaps at a job you dislike, you’re constantly under stress because of mounting debts and you end up relying on the generosity of others and whatever government benefits you can qualify for.

That’s not a good way to live.

The good news is it is not difficult to get started. You can invest as little as $25 a month in an inexpensive index fund. Any bank or mutual fund company will be happy to set up an investment account and automatically withdraw funds from your bank account each month. As you receive raises, you can increase the amount withdrawn.

And because this money is automatically coming out of your bank account, you probably won’t miss it. It’s the classic rule of, “pay yourself first,” so often touted in popular financial books. Of course if you don’t do this, you’ll find your lifestyle expenses will always use up all your income (and sometimes more than your income) and in 10 or 20 years, you’ll have nothing to show for your hard work.

Once you’ve built up a decent sized portfolio in your index fund account, you can then start investing in individual stocks if that’s the way you want to go. Or simply leave your nest egg in the index fund and keep contributing each month.

Choosing to invest right now is one of the most important decisions you’ll ever make. Having a healthy portfolio gives you choices down the road, reduces money-related stress and provides the means to take care of your family if unexpected issues arise.

So take control of your life while it’s still fresh on your mind and start investing right now.


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