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Introduction

I've been working on this book for a little over a week now. I've got a lot of polishing to do, and more articles to write, but the general ideas are already available.

TL;DR

A lack of financial education in the early years can accumulate to big problems later.

If you can spare $5, $10, $20, or even more a month, you can start learning the mechanics of investing now, regardless of your age.

I wish I knew then what I know now.

Investing in your future is easy if you start young.

It's still easy if you get a later start, but it takes more money.

I wish I had acted on what others had shared with me at various times in my life.

Looking back, I can remember my grandmother one vacation telling me about compound interest and investing. I can remember youth activities where a religious leader brought us to his bank office and taught us about mortgages and other "boring" stuff, also including compound interest and investing. I'm sure there were other admonitions along the way, but this was all prior to the important events in a young person's life, namely graduating from high school, going to college, accepting a service mission, getting your first real job, and ultimately getting married.

This should have been foundational. Of all of the things that people were persistent about me doing in life, I wish that this would have been one.

Every instance I listed above was just talk. There was never really a call to action or an opportunity presented to take action. One would argue that was because the topics being covered were years away.

I've learned that's not true at all!!!

There are numerous investment vehicles that minors can be involved in. Obviously, minors don't have a lot of funds, but my argument is its about building habits and knowledge prior to high school graduation.

If you can spare $5, $10, $20, or even more a month, you can start learning the mechanics of investing now, regardless of your age. If you have a cell phone or other basic internet access, its never been easier.

My goals

  1. Continue furthering my financial education.
  2. Share the knowledge I have learned with as many people as I can so that they have a better chance of not finding themselves in the position I have found myself in.