You’ve built your budget.
You’ve started saving smarter.
Now comes the part that changes everything — investing. 🚀
This is where your money stops sitting around…
and starts working for you.
Let’s break it down nice and simple 👇
💡 What investing really means
Investing is just this:
Using your money to buy assets that grow over time.
Those assets could be:
📊 Stocks: pieces of a company that can grow in value
💼 ETFs or index funds: bundles of many stocks for instant diversification
🏠 Real estate: property that builds value or earns rent
When you invest, your money earns money — through dividends and growth.
That’s how wealth builds quietly in the background.
⚡ The power of compounding
Compounding is like financial magic.
It means your money earns interest… then that interest earns more interest.
For example:
If you invest $100/month at 8% average return, in 20 years you’ll have $55,000+ — even though you only put in $24,000.
Time is your greatest ally.
Start early. Stay consistent.
🧠 Keep it simple
You don’t need to trade daily or know every stock.
For most people, a low-cost index fund (like an S&P 500 ETF) is a perfect place to start.
You can invest automatically using apps like Fidelity, Schwab, or Vanguard — even with small amounts.
🛑 Quick reminder: Risk is normal
Yes, investing can go up and down.
But over time, markets have always grown — even after recessions.
That’s why long-term thinking wins every time.
This week’s challenge:
Open an investing account (or review yours).
Choose one simple fund or ETF to research — just learn how it works.
Remember: knowledge beats fear.
Crash Expert: “This Looks Like 1929” → 70,000 Hedging Here
Mark Spitznagel, who made $1B in a single day during the 2015 flash crash, warns markets are mimicking 1929. Yeah, just another oracle spouting gloom and doom, right?
Vanguard and Goldman Sachs forecast just 5% and 3% annual S&P returns respectively for the next decade (2024-2034).
Bonds? Not much better.
Enough warning signals—what’s something investors can actually do to diversify this week?
Almost no one knows this, but postwar and contemporary art appreciated 11.2% annually with near-zero correlation to equities from 1995–2024, according to Masterworks Data.
And sure… billionaires like Bezos and Gates can make headlines at auction, but what about the rest of us?
Masterworks makes it possible to invest in legendary artworks by Banksy, Basquiat, Picasso, and more – without spending millions.
23 exits. Net annualized returns like 17.6%, 17.8%, and 21.5%. $1.2 billion invested.
Shares in new offerings can sell quickly but…
*Past performance is not indicative of future returns. Important Reg A disclosures: masterworks.com/cd.