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term to know: compounding
summed up: Compounding = snowballs

Let's start here...
Want to know something I'm kinda sad about?

I've never been in a snowball fight..... but if I did.... watch out. I'd have the perfect way to win (potentially inspired by Albert Einstein). 😈

I'd roll a small snowball down a hill— allowing it to continuously pick up snow and momentum to become.... THE ULTIMATE GIANT SNOWBALL. Boom. I win.

Let me explain...
The snowball is compounding during its roll down the hill. The longer I allow it to roll down the hill, the bigger it'll get.

Cool... but what does this have to do with money?
I'm glad you asked!! Like my snowball— your money can use the power of compounding.

*deep breath*
Compound interest is interest earned on money that was previously earned as interest.
*exhale*

That means your money is making money for you— without you having to do anything.

Here's an example...
If you invest $100 per month for 10 years, with an annual return of 10%, you would have over $19k!! $12k  of that is your own money... the other $7k? It's magic, compounding money-- Earned on interest alone.

This is how the rich get richer, people. Let's do this!!!!

Sign me up???
First, remember there is risk involved. The stock market's average annual return has been ~9.7% since 1928— BUT the key is to let compounding do its thing for as long as possible. Once your money is invested, think long term. Try not to touch it for at least ten years.

How to start...
1. Do your own calculations. I'd recommend using 9.7% as your annual interest rate to get a clearer idea of what your end result will look like.

2. Try Public! It's our favorite investing app, especially for the young investors (like me) out there. It has a Venmo-vibe so you can see what other people are investing in and why. You can check out my investments here :)

3. Join our group chat! We'll be discussing things like this + more.

P.S We're officially cool enough to be sponsored! We luv Public aaaand they're offering our community $10 in free stock to get started investing. 

Valid for U.S. residents 18+. New accounts only and subject to account approval. See Public.com/disclosures/

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When it comes to investing... 

🔇tune 🔇out 🔇 the 🔇 noise 🔇
With investing, it's easy to feel overwhelmed. ESPECIALLY if you're just starting out. Oh baby. There is soooo much information out there— how does anyone keep up?

Honestly.... I'm not sure. Which is why I'm excited to say:
Lower the volume + tune out the noise. ASAP.

Turns out...
It's a method that's backed by lots of research. Turns out, you'll be a better investor if you don't constantly check the news, social media, and the millions of other sources of information. Don't listen to that guy that's always freaking out about finding the "best company." 9/10 times he doesn't know what he's talking about 🤫sry 


So... What's the point?
By tuning out the noise, you're more likely to be a long-term investor because you're not bugging over the latest market drop. I'll leave you with this ~very cool and informative graph~




Lmk what you think about my strategy. Do you ever feel overwhelmed by all the news? What's your strategy?