Investing – Step-by-Step

Just imagine while you are asleep at night, your money is growing working overtime for you.  Most of us attend college but we don’t have a clue about personal finance or investing.  Often, we don’t know where our money is going or what to do with it.  Majority of folks don’t have a personal budget and live paycheck to paycheck living in the basement of your parent’s house.  Therefore, here are steps in investing your money wisely.

Step 1: Gather information – Education is the key here.  Read “I will teach you to be rich” by Ramit Sethi.  This book covers personal finance to how to invest using index funds to Roth IRA.  Time frame: 14 days.

Step 2: First Action Step – After reading “I will teach you to be rich” by Ramit Sethi, take some drastic action indicated by the book.  Start paying off credit card debt to not eating out every single day, etc. Time frame: 7 days.


Step 3: More Education – Go to, read about investing in stock, etc.  Time frame: 7 days.

Step 4: Second Action Step – Join put down $50 dollars and experiment if you can make money on stock market.  Try to double your money using this website.  The website has no fee and no minimal stocks you have to purchase.  Get comfortable with the process of trading stock plus this website has great resources for learning how to trade. Remember, stock market is essentially same as  gambling but with little bit more odds. Be careful when you invest on stock market, you can make tons of money or lose tons as well.   Time frame: 30 days.


Step 5: Automation – After you learn about personal finance to investing and took two action steps mentioned above, now it is time for automation.  Allocate what money is going where including stock market.  Let it sit and monitor your money. Time frame: 7 days.

Step 6: Find other areas to make money to invest in – If you have some skill sets such as playing a guitar, start figuring out how to give out guitar lessons.  If you are an RN at your local hospital, using your knowledge of health, write an eBook on how to be healthy to any subject matter related to your field.  You get the idea here.  Figure it out what skill set will benefit other people and at the same time make some money doing so. Time frame: 14 days.

Step 7: Believe in yourself – You have to love yourself and sold on yourself 100%.  If the world falls apart around you, and  your girlfriend, boyfriend, husband, or wife leaves you, you still have yourself to rely on so that you can able to keep on living with a smile.  Money is in the bank growing, you have nothing to fear and life is truly in control because you are sold on yourself completely.  The trick of any happiness is loving yourself completely, and be the person you want to be, not dictated  by your friend’s approval or anyone else. Time frame: Every day


To invest properly and have some solid foundation requires approximately 2 to 6 months.  If you are busy, take your time, educate yourself on finance 101 and let the money work for you when you sleep at night.  Be in control of your money as well as loving yourself 100%.  In order to love yourself, have a purpose in life and don’t be the one looking for a boyfriend, girlfriend, husband, or wife to make you happy.  You must be happy first within yourself.

Trick to loving yourself is when things go bad, learn to man up and shake it off.  Get up when you are knocked down again and again. -SjC

5 Responses to “Investing”

  1. Erica Jones January 27, 2013 at 7:19 pm Permalink

    How can you love yourself when we have douche bags running around ruining things? Can we get these douche bags to learn something?

  2. Chris Todd February 6, 2013 at 12:56 pm Permalink

    Erica, don’t let the douche bags affect you. Not worth your time. Drop em and move on!

  3. Christine February 23, 2013 at 6:12 pm Permalink

    In a way, I agree with Erica but, Chris is right. I got burned few times on online dating site and I was depressed for awhile. I really liked this one guy but it turned out he was fishing other woman on as well. It was a learning experience and just like Chris said on here, move on. I need to get my finances in order and have the wisdom to do things I can control. I cannot let myself worry about some douche bags causing my depression. This article is right on the money. Get it “Money?” LOL …

  4. Christine April 26, 2013 at 2:18 am Permalink

    #1 person is yourself

  5. Mase Mingucha February 19, 2014 at 3:54 pm Permalink

    Great post!

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