I Waited 3 Years... and This Happened😳

Hi Reader,

Welcome to The Money Series and if you are new here, thank you for signing up. Personal Finance can feel ambiguous and overwhelming, but I am here to help simplify the journey.

I recently reviewed my portfolio and voilà…….

Inserts a picture of myself blushing☺️😊😉

This isn't a picture of one year, or even two; it’s the result of three years of steady investing. You’ll notice the numbers are mostly green, and some of them are incredibly high. We’re talking about gains of over 300% and even 500% on some of my positions! That didn't happen overnight.

My portfolio, like any other, has had its ups and downs. That first number, the one in red at -2.02%, is a reminder that markets don't always go up. There will be times when your investments dip, and that's okay. It's a normal part of the process.

The overall result is a perfect illustration of the three golden rules of investing: start early, stay consistent, and be patient.

1. Start Early – Give Your Money Time to Work

One of the greatest advantages of starting early is that you give your investments time to grow and recover from short-term dips. Imagine if I had waited for the “perfect” time to invest; those 300% and 500% gains wouldn’t even exist in my portfolio today.

2. Stay Consistent – Keep Showing Up

Investing is like planting a tree. You can’t water it once and expect a forest. I invested regularly, through good and bad months, and that consistency smoothed out the market ups and downs. Those steady contributions eventually built the foundation for the higher returns you see now.

3. Be Patient – Let Compounding Do Its Job

The small -2% dip doesn’t scare me because I have a long-term mindset. Markets naturally move in cycles, and patience allows compounding to work in your favor. My biggest gains came from giving investments time to grow and not timing the market.

The Real Secret to Wealth Building

Time + Discipline + Patience

The truth is, wealth building is rarely instant. It’s the combination of time, discipline, and patience that transforms small contributions into life-changing results.

If you haven’t started investing yet, consider this your sign. Remember, the most important thing with investing is to start. Start small, be consistent, and trust the process.

Let me know which of these three principles you find most challenging to apply.

Reflect on This:

• Are you giving your investments enough time and consistency to grow into your 500% winners?

Till next week, I am rooting for you, money-ly!

Dee

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Disclaimer: This does not constitute financial advice. Please conduct your research or consult your financial advisor for important financial advice.