I hear you. The economic landscape today is so different from that of previous generations. Stagnant wages, rising costs of living, and unprecedented events like the pandemic have reshaped our financial journeys, especially for younger generations. But saving and investing is a habit. And so starting as early as possible even if it's just with a little bit of money to inspire a habit that hopefully will grow is important.

She said invest $100/month, not thousands.

​@MEGIDIOT I agree to save a little bit even $25 a month and then invest.

The only person you’re hurting by not investing is you. Fair or not, you’ve only got yourself to blame if you don’t prioritize saving and investing.

I agree, I haven't found that long-term anywhere.

@@salyol7 You're right. It's definitely not easy. But over the last several decades, the S&P 500 has delivered an average annual return of around 10%. This average includes periods of significant growth as well as downturns. It's so important to note that past performance is not indicative of future results. Market conditions, economic factors, and geopolitical events can all influence future returns, and there's always inherent risk in investing. So while a 5% return as an average over a period of time is reasonable based on historical trends, it absolutely cannot be guaranteed. And if you're not taking advantage of investing over a long time horizon, you're losing value because of inflation.

@@lisleong stock market fluctuate don't put all your money in that I prefer GIC'S rates are decent lately