22 Y.O INVESTOR

@RuslanInvests This is awesome stuff awesome 😎

For a long time, I had a list in my head. Start investing. Start working. Start creating content. The list never got shorter. Because I never started. It wasn’t laziness. It was a question I couldn’t answer: “What if I start — and I’m not good enough to handle what comes next?” That question kept me exactly where I was. Safe. Comfortable. Going nowhere. Then one day I just started. Not because I had the answers. Not because the fear disappeared. Not because conditions were perfect. I started because staying still had become more painful than moving forward into the unknown. And here’s what I found on the other side: The problems I imagined were real. But so was my ability to solve them. Every obstacle that showed up — I figured it out. Not perfectly. Not immediately. But I figured it out. There’s something nobody tells you about starting: You don’t need to see the whole road. You just need to take the first step and trust that the next one will appear. It always does. I’m 22. 3 months into investing. Building content from zero. Learning every single day. Is it hard? Yes. Am I scared sometimes? Still. But I’m moving. And moving — even imperfectly — beats standing still perfectly. Whatever you’ve been postponing: You don’t need more time. You don’t need more money. You don’t need more certainty. You just need to decide that where you’re going matters more than how comfortable where you are feels right now. Start. The rest comes. #Mindset #Investing #Life

@InvestorNotesHQ Just keep investing, even if it’s only a small amount. Buy and hold, no matter how small the investment may be. Set a plan, define your goals, and keep moving toward them—you’ll succeed. Wishing you the best of luck!

Welcome to InvestorNotesHQ 📈 I’m 21 and just starting my investing journey. What’s one investing lesson you wish you knew when you first started? 👇 Drop your best advice below.

@wallstnomads Exactly, let's keep going towards the goal!

@RuslanInvests Worst even is standing still never lasts long and you can easily end up wandering in the wrong direction. Get the direction fixed, and head off.

@mat986588 🤝🤝🤝

@RuslanInvests Trust the process 💯

@GrowthStockDad @GenXmillionaire @ben__investing @DividendDrip @_LamNam_ @BlackMambaMilli @Mikethejourney1 @wasianinvestor @ColeF17544 @drayinvests @finsightt @MomentumJustus @OBPinvestments @lindsay__stamp @InvestingAddict @BrettLeisure @LazaroInvestor @tyruspradier @IndexAndForget @SparkingFIRENC @BrutusVTI @GrowthStockDad maybe we could create a group or community with everyone here. That way, we could consistently support each other’s posts and grow together. If everyone is interested, you could take the lead, and I think it would be beneficial for all of us.

@GenXmillionaire @ben__investing @DividendDrip @_LamNam_ @BlackMambaMilli @Mikethejourney1 @wasianinvestor @ColeF17544 @drayinvests @finsightt @MomentumJustus @OBPinvestments @lindsay__stamp @InvestingAddict @BrettLeisure @LazaroInvestor @tyruspradier @IndexAndForget @SparkingFIRENC @BrutusVTI @RuslanInvests Always appreciate your perspective- from someone who has achieved it in real life 🤝

Let’s share some appreciation across the FinX community. Tag below your GOATS and show your appreciation to them. I’ll start 👇🏽

@mula4damir85 İnşAllah tüm dünyayı gezmek nasip olur hocam, keyifli tatiller diliyorum

Tiran Arnavutluk’dan herkese selamlar. #borsa sponsorluğunda çıktığımız tatilimizin 7. Gün sonu raporu; Budva, Montenegro’dan sabah erken saatlerinde çıktık. Yol toplam 4 saatti iki saat sonra sınırı geçtikten sonra bir kahvaltı molası verdik nehir kenarında. Sonra öğlen Tiran’a vardık. Tatilde böylece 1800km yol yapmış olduk. Yarın sadece bir 50 km lik yolumuz kaldı. Turu 1850 km ile bitirmiş olacağız. Tiran’da oldukça keyifliydi. Yatın öğleden sonra evimize (Ankara’ya) döneceğiz inşallah. Başka bir paylaşımda özet bilgileri paylaşırım.

@raqib_rsr what do you mean bro

@RuslanInvests Yeah huge Do you want to be maker

The Investor Psychology — Post #2 There is a huge difference between being a "Stock Market Investor" and a "Stock Market Spectator." A spectator watches the stock price charts every single hour, stresses out over minor red days, reads every panic headline on social media, and changes their strategy every weekend. An investor buys an asset because they understand the underlying business or index, automates their monthly deposits, and shuts down the app to enjoy their family, friends, and hobbies. If you are letting the daily random ups and downs of the market dictate your emotional mood for the day, you haven't built a portfolio—you've built an anxiety machine. Take a step back and log off.

@RuslanInvests Automatic transactions set up to go to your investment accounts is a perfect way to mitigate the “spending too much” habit. Set it and forget it!

The Brutal Truth — Post #11 Here is a tough pill to swallow: You cannot invest your way out of a terrible spending habit. If you make $10,000 a month but spend $9,800 on a luxury lifestyle, fancy dinners, and subscription services you don't even use, you are still just one bad month away from financial disaster. The market isn't a magical machine that fixes poor discipline. True wealth isn't about how much money you bring in; it's about how much money you manage to keep and put to work. Before trying to beat the stock market, win the battle against your own bank statement.

@gedik_giray ABD borsası düşmüşken almak iyi ola bilir

Elime yaklaşık 1500 TL geçti 💸💸💸🤑🤑 (#EKDMR halka arzından) Fon almayı düşünüyorum ama kararsızım 🤔 Pusula fonlarını mı alsam acaba 📈 Yoksa premium ppf denilen fonlara mı ? Yoksa yabancı fonlardan mı alsam ? Siz ne dersiniz çok kararsızım🤔🤔 #TLY #PHE #TTE #PBR #DFI

The Portfolio Cheat-Sheet — Post #2 The "Dividend Trap" Checklist: Stop chasing yield, start chasing quality. We all love the feeling of seeing passive income land in our brokerage account. But looking ONLY at the "Dividend Yield" percentage when buying a stock is the fastest way to lose money. If a stock yields 11%, but the underlying company loses 20% of its share price every single year, you aren't making money. You are bleeding capital. Before you buy a high-yield asset, run it through this quick 3-step test: 1. Check the Payout Ratio 📊 What percentage of their profits are they paying out as dividends? If it’s over 80% (outside of REITs), they are stretching themselves thin. If it’s over 100%, they are literally borrowing money to pay shareholders. Run away. 2. Look at Earnings Growth 📈 Are the company's profits going up over the last 5 years? A sustainable dividend requires a growing business. 3. Check Dividend History 📜 Have they maintained or increased this dividend during a crisis (like 2020)? If they cut it the moment things get slightly tough, they don't value their investors. Focus on dividend *growth* and safety, not just starting numbers.

@NotA_Bull I’ll keep going with ETFs until I reach a high-level portfolio.

Would you rather keep buying individual stocks right now or play it safe with index ETFs? When I see discount across the board, I just buy them all at once with $VOO.

@NotA_Bull $QQQI

So, which stocks did you buy this week?

@Gavel_on_X Time never comes back.

What is one thing people realize too late?

@wallstnomads Thank you very much. I always patiently look forward to your advice as well, please.

@RuslanInvests Bingo. You already know. Nice work dude.

@TwoMindMoney Portfolio A Less is more

Which portfolio would you choose? Portfolio A 25% $VOO 25% $SGOV 25% $ABT 25% $NVDA Portfolio B 20% $AMZN 20% $DUK 20% $AMD 20% $SOFI 20% $RCAT

@wallstnomads Thank you for the advice. I already own a home. If I can save enough money, I’m planning to buy another one when I’m around 30–35 years old. As for the S&P 500, my average cost is $614—I accumulated it during the March dip.

Any time. And do not listen to everyone on here saying just DCA the S&P into oblivion, it is terrible advice. Get two or three properties first on buy to let. And start DCAing S&P at minus 20 no matter when that happens in the property journey. In that order. And you will be made. Period. Starting to invest in S&P at these levels is retarded.

@DividendMil Amazing man! i hope i can reach that level

🚨 PADI UPDATE 🚨 We just crossed $7,000/month in forward dividend income thanks to this week’s buys. ✅ Annual Dividend Income: $84,553 ✅ Monthly Income: $7,046 ✅ Daily Income: $231 That’s $84k a year for doing nothing but holding stocks. The goal is still $100,000 in annual dividend income by year end, and we’re getting closer every month. The key is that we never stop focusing on growth. We don’t chase fake, unsustainable yields. We buy quality assets, collect income, reinvest, and let time do the heavy lifting. Building wealth isn’t about getting rich overnight. It’s about making smart decisions over and over again until the numbers become impossible to ignore. 💰📈

@borsacibirgenc maksimum 35-40. Ondan sonra iş hayatı çekilmez vallahi

İnsanın kenarda hiç birikimi olmayıp tamamen ay sonu alacağı maaşa bağımlı olması kadar kötü olan çok az şey vardır. İş yerinde biri bir şey söyler, susarsın. Hasta olsan rapor almaya çekinirsin. Herkes evine giderken mesai yaparsın. Maaş kan görevi görür,akmazsa bitersin.