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. Deciding how to split a lump sum you have already saved? What to do with your first $1,000 walks through the whole thing.

Keep reading

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