That's my secret trick: if you never earn enough money to be able to afford to invest, you lose nothing when the market crashes
this post was submitted on 12 Oct 2025
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if you never earn enough money to be able to afford to invest
That's a misconception. You can now buy shares in fraction depending on the investment platform. You can put however much money you want. Of course, the fewer shares you buy, the fewer the returns should the stock price increase (and fewer losses if share price goes down).
Being broke is a misconception?
You can still invest $10 in a share price of $100, which means you own one-tenth fraction of a share. Even a broke person have $10 (unless you're homeless, which is understandable, saying "I'm broke" is most of time a hyperbole and does not mean you only have your clothes on your back).
I'm surprised I'm the only person yet on Lenmy who corrected that you don't have to be rich to buy shares to invest; usually someone would have done so almost immediately when it comes to this thing. Even a blue collar worker throughout his entire career can be a shareholder with 97 holdings and eventually become rich, like literally.
The problem isn't actually not being able to invest, it's not being able to meaningfully invest.
If you have $10, you can throw away. $10 doesn't mean that much to you. So let's say you sock it away into a decent stock. Let's get edgy. Let's pick something that's going to double in a year. A year goes by, you have $20. Now you can really afford that carton of eggs.
Investing at poultry levels doesn't mean anything to you because it's not enough money to do anything with. You generally need to be socking away 10-30% of your income to get anywhere significant enough to retire.
The argument that you can invest because you can afford to spend $10 is as useless as investing $10.
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To build off of this, the best thing an average (American) Jane/Joe can do is pile money into their 401k and when they switch jobs move the money from the 401k into a (Roth)IRA
Individual investors can basically never beat the market no matter how smart they are nor how many hours the pile into their research. Best to just pile the money into diversified fund containing a solid mix of stock indices and bonds. If you want to be extra smart, deposit more while the market is down/super unstable so you can ride the wave up when the market grows again.
There's generally advise to not invest if you have high interest debt and to instead pile your spare cash into paying that down. My personal opinion is that if you're someone who has a consistent revolving balance of debt just start shoving spare cash into a retirement account (and don't touch it!) because that can at least build up while you slowly get your debts under control and while maybe you won't pay off your debt as quickly, at least you have something already saved and compounding 10 years from now once everything is stabilized and paid off
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All went into some billionaire’s pocket who got a tip from the administration to short the stocks.
Was Barron. The call is coming from inside the house.
People in 2020: "I'm buying at the bottom of a market, I hope I get 30% yoy returns for the next five years"
People in 2025, last week: "Omg, it happened! I've more than doubled my money in less than five years!!! Crazy!!!!"
People yesterday, after a 5% market correction: "I'm destitute"
Leverage is a hell of a drug.
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You haven't lost a cent if you don't sell
You also haven't lost a cent if you never bought.
I'd definitely start considering inflation. If your money is stagnant and not earning interest, it is shedding value. Like it or not, we're all inherently playing the game; it's in everyone's best interest to learn the rules.
High interest savings accounts are still offering 3-4% or more. It's a good spot to park your emergency fund. $600/year just for storing 15k ain't bad at all plus it's all FDIC insured (and you can also invest some of it into CDs if you're willing to lock that money away for a couple of years in exchange for a higher interest rate)
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You also haven't lost a cent if you are broke.
You haven’t lost a cent if you don’t exist at all
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wait, my investments are down between 2.5-3% from the day before. what's everybody freaking out about?
QQQ is still up 20% for the year
Now you know how the average investor thinks and/or behaves
Buy high sell low, that's my strategy and it's working great 🤑😎
Well, that is the strategy of the average active investor.
Do not be the average active investor.
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Hot take: crypto is dumb.
That take is lukewarm at best.
People are dumb. Currency cannot work if it's not used as a currency. Cryptobros "investing" in it are the dumb ones, trading currency as it's stocks or something (not to mention, that stocks are dumb as well). How can it not be volatile?
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You say that as if you don't think the entirety of capitalism is dumb.
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did I miss something?
https://www.youtube.com/watch?v=23ddxotpMZM A breakdown of what happened.
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Whales: our investments.
At first cryptos had a true value, as in people wanted it and saw the potential of the coin itself, and not of the price it had, thus raising the prices. Then it changed. Capitalists with their huge capital started playing the market. So instead of the cryptos having a monetary value based on their actual value to society, they got their monetary value from previously monetary values. This means that the value of the cryptos shifted towards how much value it could provide to the people investing in them.
At this point anybody with half a brain should have stopped caring about the actual monetary value of cryptos. Bitcoin was made for one thing and that was to be a decentralized alternative far away from any government. And now you have one government, that only consists of a mere 5% of all humans, that somehow made the market crash? Everybody that doesn't think this is beyond crazy is getting played, hard.
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I thought something happened. SNP 500 is just down half a percent over the last month.
There was a drop of about 3% on Friday because of rumors of tariffs/insider trading. Trump waited for markets to close on Friday to officially announce it. But futures don't look bad anyways.
Also Crypto fluctuation, as usual, have been more than that. Bitcoin is only down like 7% over the last week and 3.4% over the last 3 months, but its up like 80% YOY, so hardly a problem if this has been a long-term thing.
Bitcoin didn't drop much, but lots of alt coins dropped 90% or more. The memes are manly coming from accounts that lost it all on those alt coins, sometimes in the millions. One of the big cases lost 30 million Friday.
See here for some schadenfreude
I hope someone takes my retirement and invests it on bitcoin. I don't want to live much longer past my useful life. A good heart attack could do the trick.
It's fine just the monthly pump and dump you didn't benefit though so enjoy the extra cost as funds just got shifted again
Its bitcoin that will double in a month.
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