๐Ÿ“ˆ Investing

Turn small money into big money

The earlier you start, the more time your money has to grow. Drag the sliders and watch compound interest do the heavy lifting.

โณ Time beats amount ๐Ÿช™ Start with $10 ๐Ÿ˜Œ Set & forget
๐Ÿ“ˆ Compound calculator

What could it grow into?

Move the sliders ๐Ÿ‘‡ (assumes ~8%/yr)

By age 65 you could have
$396,000
You put in$30k
Growth added$366k

3 things you actually need to know

Investing sounds complicated. It really isn't.

Those three are the whole foundation. If you have been sold something faster, read passive income for teens: real vs. hype first, because it shows the capital math those videos leave out.

Why starting young is a superpower

Same $50/month at 8%. The only difference is when you start.

๐Ÿš€

Start at 15

50 years of compounding doing the work

~$396,000
๐Ÿ™‚

Start at 25

Still great, but 10 years costs you a lot

~$174,000
๐Ÿ˜ฌ

Start at 35

Waiting 20 years quietly cuts it in half again

~$74,000

Make your first investment

Five steps from zero to invested.

1

Bring in a parent

Under 18 you'll need a custodial account they open with you. Do it together.

2

Pick a broker

Many have $0 fees and let you start with just a few dollars.

3

Buy a broad index fund

Think of it as owning "a bit of everything" instead of betting on one stock.

4

Invest a little, regularly

Set it and forget it. Consistency beats timing every time.

5

Don't panic on dips

Down days are part of the deal. Time is on your side, so stay in.

Reminder: this is education, not financial advice. Always invest with a parent, and never put in money you'll need soon.

Keep reading

Looking for more? Every article we have written on growing your money is collected in the Investing section of the blog.