How To Invest for Beginners (Step by Step)

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If you are focused on increasing your net worth, then you should listen/watch the episode with Dave Ramsey next: • Dave Ramsey: “100% of ...
#66: Jeremy Schneider, founder of Personal Finance Club, has doubled his net worth by reinvesting since he retired at age 36. Think of this episode as an Investing 101 course, where Jeremy and Erika guide us through the basics of investing. It’s completely beginner-friendly, even if you’ve never invested! We cover the most common questions you have about investing, including:
- what is a stock?
- what is an index fund?
- ⁠what should I invest in?
- what is Compounding Interest?
- The 50-30-20 rule for investing
As promised, here is the link to join my course 3D Money - take control of your future and transform your money habits. erika.com/3dm
I’m running a free “Save $1,000 Challenge” to teach you creative strategies to save money. It’s 5 days long and starts on Monday. Grab your free spot here: Erika.com/go
Thanks for tuning in and come back every Tuesday for a brand-new episode! Prefer to listen on the go? Listen wherever you get your podcasts. www.erikataughtme.com/follow
Did you enjoy the episode?⁠⁠ Please leave us a review here⁠⁠ erika.com/review : (just scroll to the bottom and tap on “leave a review”) It really helps the podcast especially since we’re just getting started. Even just a sentence is perfect!
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Timestamps:
00:00 - Intro
02:01 - Jeremy's Money Philosophy
07:19 - How to start investing with $10 a month
14:01 - What is a Stock?
18:42 - What Stocks should I buy?
26:28 - What is S&P 500?
31:22 - After understanding index funds, what's next?
36:13 - Which index funds should people be buying?
43:17 - One common mistake of people in investing
44:54 - Sins when it comes to investing
53:59 - The best time to invest
55:06 - Jeremy Taught Me

[@Erika2]

if you liked this video please leave a comment :) It'll help the algorithm know to show it to more people - I really think this is the video that can help so many people!

[@senaittes6810]

I would say a good teaching opportunity, but it's a little discouraging because for people who are 50 and over there is no much time left with a little income?

[@Annie9191-]

Erika, where we can an investment that will accept $10 monthly?

[@jerrynewell696]

So investing in a IRA account is what you two were talking about it going by your age and investing in the two or three different areas bonds and stocks??

[@jerrynewell696]

​@Annie9191- she mentions webull in another cast of hers you can buy as little as 5$ buying fractional shares. Very easy!!

[@InterstellarAlliance11-11]

You've helped me to solidify my decision making and stop procrastinating. I always thought it's for everyone else but not me. I'm looking into now investing my sons inheritance and compound it over the 20yrs at 7% or so, thats stated in the his trust, until he can touch it. I learned from you about putting it to work earning instead of just a savings account. By estimate it will literally double if not triple in 20 yrs.Now I may be way off, but at least I'm looking into it and educating myself thanks to you. Roth ira smp500 index shopping cart analogy you gave on your podcast gave me a clearer understanding. Thank you 😊 💓

[@AngelinaJordan74]

I remember when I just got into crypto back in 2019 but later in 2020 I ended up selling it because I was dumb and I didn't understand it. I studied and learned and now I know how it works. Got back into crypto early in 2023 with 10k and I’m up with 128k in a short period of time .This comment serves as motivation for all those who have invested and continue to invest in cryptocurrencies with so many losses, do not give up, cryptocurrencies can change your life. Do your best to connect with the right people and you will surely see changes.

[@GreywatsonL]

As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.

[@AngelinaJordan74]

Antonio Alex is my trade analyst, he has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.

[@VirgilKrajcikvd]

I know him, he is my family's personal broker and also a personal broker in many families I'm United States, he's a licensed broker and a FINRA AGENT

[@AidanReichel]

I started working with Antonio Alex back in June, and my financial goals have never been clearer. It’s like having a strategic partner for my money with a solid track record.

[@GreywatsonL]

Wow I have heard so much about him and have been trying to get in touch with him.

[@williamyejun8508]

My portfolio doesn’t just cater to dividend stocks. I hold $VFIAX (S&P 500 index fund) in my Roth IRA and $VTI (Total Stock Market ETF) in my taxable brokerage account. Two of my largest holdings. The individual dividend stock positions all complement the index holdings.

[@alexyoung3126]

Diversifying with $VFIAX and $VTI is smart. It’s financial independence, not dependency, that truly empowers.

[@jameswood9772]

If you lack market knowledge, your best bet is to seek advice or support from a consultant or investing coach. Contacting a consultant may sound simple, but it's how I've managed to stay afloat in the market and increase my portfolio to roughly 60% early this year. It is, in my opinion, the best way to get started in the industry right now.

[@austingraff1881]

How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?

[@jameswood9772]

Rachel Sarah Parrish is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.

[@austingraff1881]

I appreciate it. After searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.

[@wilsonkrusk8652]

Still with Tesla stock, investors can never be sure what will happen next, bearish periods ultimately establish a new set of stocks to buy and watch while setting the stage for a robust new uptrend. I have been reading articles of people that grossed profits up to $250k during this crash, what are the best stocks to buy now or put on a watchlist?

[@romanceray2994]

The market is volatile at this time, hence i will suggest you get yourself a financial-advisor that can provide you with entry and exit points on the shares/ ETF you focus on.

[@cooperhayes7055]

Very true, I diversified my $400K portfolio across multiple market with the aid of an investment advisor, I have been able to generate over $900k in net profit across high dividend yield stocks, ETF and bonds in few months.

[@janedaniel4646]

Glad to have stumbled on this conversation. Please can you leave the info of your investment advisor here? I'm in dire need for one.

[@cooperhayes7055]

She's Sophia Elaine. One of the finest portfolio managers in the field.

[@cooperhayes7055]

she's mostly on Telegrams, using the verified user name.

[@PotBellyPete69]

What's the best approach to capitalize on the current market conditions? I'm deliberating on whether to diversify my $200k stocks portfolio.what strategies should I employ?

[@floxydorathy6611]

I think you're better off with majority investment in S&P500 and uprising equities cos they always outperform. Also speaking with a market expert can help with pointers on which to acquire.

[@NO-TIME170]

Accurate asset allocation is crucial, and some individuals use hedging strategies or allocate part of their portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay finan-cially secure for over five years, yielding nearly $1 million in returns on invest-ments.

[@jose2212-]

I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help.

[@NO-TIME170]

*Jennifer Leigh Hickman* is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@Ogden1]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@ericmendels]

Just discovered your channel with this video -- I was able to think about my situation and I'm curious to know best how people split their pay, how much of it goes into savings, spendings or investments, I earn around $90K per year but nothing to show for it yet.

[@Higuannn]

I think you're better off with majority investment in S&P500 and uprising equities cos they always outperform. Also speaking with a market expert can help with pointers on which to acquire.

[@Angelavaldess]

@@Higuannn Yes true, I learnt that in 2020, when I lost almost everything. But I switched to using a financial advisor and I've been returning at least $98k quaterly so I’ve been sticking to investing via an Advisor.

[@ericmendels]

@@Angelavaldess Hello, thanks for replying. I'm thinking of trying out an advisor, how can one reach a decent advisor like the one you use?

[@Angelavaldess]

@@Higuannn Sure, Alicia Estela Cabouli is the licensed advisor I use. Just research the name. You’d find necessary details on the web to set up an appointment.

[@Angelavaldess]

@@DanielPanuzi I get guidance from the popular lady Alicia Estela Cabouli. Most likely, the internet should have her basic info. where you can contact her. She offers free consultations for first timers like yourself.

[@ElkeHoffman233]

I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.

[@ElkeHoffman233]

Glad

[@Blinx777]

​@@michaelhooten7101 bot

[@yaquelynelizethgodinez3512]

Great video. Im a huge Blcktken300 fan and love your videos on it.

[@leemolnar8550]

Loved Erika’s (cart metaphors) visual. And Jeremy’s 2 Rules: 1. Live Below Your Means 2. Invest Early and Often

[@motogp2375]

I agree!!

[@patriaciasmith3499]

Nice video as always but here is my problem I have been making losses trying to make profit tradng cryptO. I thought tradng demo account is just like tradng the real market... can anyone help me out or at least advise me on what to do?

[@elizabethwilliams6651]

You're right! The current market might give opportunities to maximize profit within a short term, but in order to execute such strategy, you must be a skilled practitioner.

[@Jennifer-bw7ku]

Accurate asset allocation is crucial, and some individuals use hedging strategies or allocate part of their portfolio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay financially secure for over five years, yielding nearly $1 million in returns on investments.

[@IkamiLog]

Market behavior can be complex and unpredictable. Mind if I ask you to recommend this particular coach to whom you have used their services?

[@Jennifer-bw7ku]

Angela Rodriguez Elias is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.

[@morseemily]

I looked up Rodriguez Elias using her full name and found her web-page, read through her resume, educational background, qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I sent a message and hopefully she responds soon.

[@gautamvishwanatham7512]

i like the way host (although knowledgeable) is asking very basic questions to guest with example and the guest explaining everything, perfect for those new or not new to investing to learn

[@johnnycorporal]

😂 O

[@manisymone8622]

I love it! Very detailed and easy to comprehend.

[@PBlueturtle]

I have another illustration besides the one that Erika mentions at 25:10. Individual stocks are like one dish on a plate, like steak or a baked potato. If you only buy one individual stock, it’s like only getting a baked potato to eat. On the other hand, Index Funds are like a sampler plate where you get a little bit of everything to try out. This makes it easier for me to understand the whole thing.

[@aramispadilla]

You should do a new video about Blcktken300 ! I really like you’re mellow delivery and you seem like you’re very knowledgeable. I watch lots of influencers and you always seem very calculated and know exactly what you’re talking about and understand it. You’re better at explaining complicated things simply, than any other person on youtube keep it up brother!

[@Justyouraverageguy172]

The how to start investing with $10 a month really hit home and makes it so doable and practical for me since lack of money is always a problem. Really gives me hope instead of despair instead of “wishing that one day when I have enough money I can invest then if at all”

[@ginagriffis6102]

I'm with ya...let's hope we can do this.

[@Justyouraverageguy172]

@@ginagriffis6102yep. I just turned 28 so I am behind in terms of everyone else but let’s see what happens.

[@eileenwatt8283]

​@@ginagriffis6102you can. You would be surprised to see how it multiplies. If they have 401 K at your job just sign up for it. Its before tax you won't miss it because you would have gotten taxed on the money anyway. Example if your gross is $300 and you have 10% taken out weekly you would pay taxes on $270.Sign up for 10% to be taken out but you have to know what funds they offer and allocate it into those funds. Read up on 401 k roth IRA and Roth 401k. There is a limit per year based on age. There is a withdrawal penalty and it will be added to your income if you withdraw before age 59and 1/2. Dont touch it. When I was younger I worked a 2nd job that matched 401k. I put 80% of my weekend pay in 401k and they matched it 6%. That's 30 years ago. I'm not complaining now🙂. I encouraged young people to start early. Get a 2nd job if you can and max it out or work OT 2 hrs a week and allocate that to your retirement to the maximum. You can also do Roth 401 k and regular 401k. The Roth is after tax. When you retire you dont pay tax on Roth. If your job don't offer any then open a Roth IRA and allocate your 10% to it. Educate yourself on retirements that's if you live in the USA. It's not difficult.

[@Annie9191-]

And the question for Erika, where we can find $10 investment company?

[@43xoxo2]

@@Annie9191- You can always start with a high yield savings account. Google “high yield savings accounts.” Most you can start with $1 to open an account. 😊

[@kylebhiro7057]

can easily say, out of any piece of information i have read in my life regarding investing, or ANYTHING, i can already tell this episode with Jeremy has single handedly impacted my life so much. THANK YOU.

[@tacrewgirl]

Great actionable information. Thanks Erika for this interview.

[@lizziee596]

Wow this episode gave me so much Intel and made things more simple. Very well explained and definitely doable. I really enjoyed how everything was explained literally a 101 lesson makes me really understand investing better. Thank You Erika for this interview 🙏

[@TiffanieMangArt]

this is the BEST explanation of investing for beginners i have ever heard

[@lakesnlawns222]

I cannot appreciate this video and Erika for it enough. Thank you so much ‼️💕

[@niasteadley]

Love Jeremy! I couldn’t click on this podcast quick enough. Erika - You so wonderfully illustrated all of the points Jeremy was making - what a dream team! I love that y’all are making investing more understandable and therefore more attainable for more people. Great episode!

[@richardbpuffert5366]

This is the best description of simple investing that i have seen. Thank you!

[@tayla3934]

This video was great and in-depth, I sent it to some family! Thank you for explaining the difference between mutual/index funds vs individual stock. That’s where I’ve gone wrong in the past and I’ve avoided investing because I was afraid to lock in on one company.

[@lc8602]

I love this podcast. I have learned a lot. Thanks for explaining it in the simpliest way you can.

[@cynthiarondon]

Thank you so much! This was so helpful🤗

[@Aaa0483]

Thank you for all your dedication teaching us how to investe😊

[@esther1529]

I love Ur passion for teaching so much. All the principles u teach, is it applicable to every country. Becoz, I'm a Nigerian. Looks like it applies to ppl in the US only.

[@vimherrera9346]

Awesome and learned so much! It took the fear about investing! Thank you 😊

[@sheahonhewitt4969]

Hi Erika! Love your videos, question for you between VOO and VOOG which do you recommend purchasing?

[@clairejeanderson]

SO helpful. Thank you!

[@poolmilethirty2859]

Thank you Jeremy and Erika, this was one of the most easy to understand investing videos I have watched. Jeremy did such a great job explaining everything in detail and Erika, your visual explanations really helped also.

[@blancaalexandra]

Great video!! He explained everything very well!! Erika added to certain points!!

[@CzarinaMaeTahilan]

I finally understood investing because of this video!!!! Thank you!!!

[@caroc8290]

Awesome, great information and explanation. It’s definitely taking me some time to invest because I thought I did not have enough money to invest 😂. Thank you both for clearly explaining. Thanks you! And wishing you a happy new year!

[@blackchickadee1]

Thank you for sharing and I think a really practical example is to visually show people how they can shop for shares, read a fact sheet to decide how to decide if it fits their risk tolerance. Perhaps to even show how to move funds from a cash account to a trading account and start shopping! I think would be practical to show how one can get started. I believe these steps can seem very daunting but to show practical steps it makes it so simple.

[@amala7769]

This was AWESOME!!! Thank you both. Thanks Erika!!!

[@c21gramirez]

55:59 Great pod cast. I took several good points to apply to myself. Thank you.

[@MinnieOnCam]

Yes the shopping cart visual makes so much sense it also works if you are in Canada. like Canada has RRSP, TFSA, RRSP, RDSP and FHSA I think the limits to them as weight limits.

[@bee2130]

Thank you Erika and Jeremy! This was such a helpful episode. The explanations are excellent!

[@jerrycharles3568]

Hey Erika This talk was very informative ,learned a lot . Keep it coming.

[@notyourtypical_MJ]

Erika, you are amazing woman! I've been watching your videos since I found you. have seen your transition to where you are now. You've definitely helped me a lot and a lots of people and put out many resources for us. It was really impactful. so congratulations on all your success. Keep doing what you’re doing! Love lots!

[@sharonstark8036]

Great video! One of the best breakdowns.

[@PaulMacMillanGray-en4xp]

Excellent presentation, Thank You

[@cherylrath7102]

love Erika's advice...the just do anything

[@jb2026]

This was great to watch and love seeing a fellow Heidelberger crush it! I just signed up for your 3d Money program.

[@rozenguyen9271]

Awesome episode! Tysm for the simple break down. Makes it seem less daunting and super doable 🎉

[@PhilipJanifer-ck1vq]

Good Morning I enjoyed the content. Helpful!!! Two thumbs up. Have a great day. 💞💞💞

[@eliasordonez8467]

Thank you, Erika and Jeremy for this excellent video. I will go ahead and open my investment account. you guys gave me the courage and the information I need to do it.

[@Franny1980H]

This video is so helpful to someone like me on my journey to financial wealth and abundance. The visual examples were so helpful … thank you

[@NYXIE4EVER]

This podcast is really informative & enlightening! Thanks Erika & Jeremy🤩

[@Erika2]

So happy to hear :)

[@melimevivzla]

Erika, What online resources would you recommend to a foreign person wanting to invest in the US stock market? My understanding is that the only option available would be the taxable brokerage account. I'm curious if you have any other insights on that. Thank you ❤😊

[@cherylashelton]

This is, quite possibky, the most helpful video ive seen on this topic! Thank you!!

[@sophiapatriot112]

It would be great to include into for those who are starting later in life. Advice on catching up.

[@nacho-man1063]

God bless both of you… the more people you help the greater your personal happiness will grow.

[@Enaidah]

Ah, this is so helpful! Exactly what I needed. Thank you!

[@packson55]

So much useful information, thanks so much for the invaluable information. Glad I watched the whole video!!

[@anetta9430]

What a great podcast. Thank you

[@Luvlee92]

This video was very financially educational and helped to increase my understanding about investing in stocks. Taught me about different kinds of index funds and the cart analogies were very clear. Great video!

[@lizz3104]

Thank you both so much, new subscriber here.

[@michaelsmagicalmoments]

Fantastic video! Thanks, Erika and Jeremy.

[@InterstellarAlliance11-11]

Erika youve litteraly changed my life ❤😊thank you 😊 🙏

[@teddymoore9938]

Thanks,Erika another great podcast as usual. Thanks for the information!👍🙏👏👏👏

[@MoEl-yt6eo]

43:25 Can you explain this sin further please ? How do I not make this mistake ? Is there an automatic monthly investment option ? I apologize I'm new to this

[@Gurimpo]

Thank you for educating us on money and how to maximise our money for financial freedom. Thank you so much to both of you 🙏🏻 also kindly recommend us on what books to read on finance.

[@julhe8743]

The Richest man in Babilonia is an excellent book

[@sharonbeatty8047]

Very educational. Thank you

[@ClauGM]

Wow!! I learned a lot today!!

[@staceygill9221]

Great video. Learned a lot! Thank you so much for this.

[@pauljohnson8285]

Informative video Erika. On the basis of buying the entire basket of micro stocks. Suppose the underperforming stocks, outweigh the performing stocks? Presumably, you will lose money. Using the buy the entire basket approach. How likely is it for this to happen?

[@daphmelato8687]

So is it better to invest directly from what you investing in or does it not matter For example I need to open a brokerage account directly from vanguard or just app that are created for you to invest like Webull, robinhood, coin base

[@DemetriSP]

This video is filled with so many gems. I suck at explaining this stuff to people so I'll just direct them to this video from now on

[@wildhotred]

I Love Jeremy and You Erika. Truly want to help us ppl with honesty.

[@shaziaaslam6104]

Great information

[@bhupendranath2010]

It was really informative!!!

[@BrokeMillionaire1]

VTSAX and chill baby!!!

[@TheBlessingReport]

Great video

[@Corrabeauty]

At 42, I've come to realize that money is a tool. I’ve worked so hard over the years to realize that if you don’t make money work for you, you can’t experience true freedom. I’m glad I found that out although it was later in life, but that marked the turning point in my finances.

[@marisaeterovic7942]

excellent episode!

[@GK-yk4eh]

Thanks

[@ItsAWildLife1]

My question is, at first he talked about buying investments that pay you, in addition to increasing value. But then he talked about buying index funds. These don’t pay dividends, correct?

[@seanbebington8377]

Enjoy your Show Erika , coming from a Investor in South Africa..

[@manisymone8622]

The shopping cart examples and great explanations given by this sir, did it for me! ERIKA TAUGHT ME YA'ĹL😂🎉❤

[@dral22]

This is the best video on saving and investing, which is the key to building wealth. I don't usually leave comments, considering most of the time it goes unnoticed. Just wanted to thank you for the amount of time you put into your craft to help us. God bless you 🙏🏾

[@ingababy5196]

Very informative video!!

[@ilianaestarellas7299]

Thank you for breaking index funds and brokerage accounts in Layman’s terms. I was seriously so lost before this episode 🙏🏽 Going to religiously listen to your whole podcast now. Sincerely, Financially Challenged Woman. 😅

[@johnyates153]

Should I buy more than one of the same index fund or ETF will.that get you more of a return later. Thank you.

[@jaydajourney2884]

Thank you for the video, it kinda structure my thought. I'm 40 now and will seriously invest now !!!! ❤❤

[@jadex38]

This is such a great interview and informaiton that everyone can bennefit from- even more exprienced investord s can get lost in the weeds- investing 101 - keep it simple and be consistent= optimal investing😊

[@janblessed62]

Hi seeing this video just now. Do you have any advise for people living outside the USA when it comes to opening a brokers account? And which one is the best for when living abroad?

[@kimwieczorek1879]

😂Where/how do we invest? We're 65, 58 dont know how to invest. But we paid off our mortgage and have 30k in EFund.

[@irlandecole4965]

I pray that Erika will answer this extremely important question as many of us are in a similar situation. Thank you in advance Erika for your answer to the question.

[@carolynb-w2358]

GREAT SHARE!

[@cityduke505]

So if I were to open a vanguard Roth Ira and max it out ($6500) then invest half into s&p and the other half in vt.. would that be a good way to start. Simply do it once a year? Maybe? Idk...

[@josequinones2031]

This is one of the best, if not the best investment tutorial I have ever seen! Thanks for all the knowledge!

[@laurenkallie8643]

This is exactly the kind of episode I have been hoping for. You explained and broke everything down so simply and I love the grocery store and shopping cart analogies. I get caught up between whether I should use Vanguard Fidelity or Schwab, or an app like Webull. While it probably doesn't really matter I am definitely stuck in analysis paralysis. I'm close to getting the cash to open and start so I'm getting organized and prepped as I can. Another thing that would be super helpful for is understanding if I can invest in VOO and VT and VIT and VUG etc regardless of which platform I use. I really don't know the answer to that question and am suffering a form of pre-fomo like in case I open with one brokerage where I can't participate in those particular funds I want.

[@kjljkl2593]

You can invest in those etfs regardless of which platform you utilize. But since your interested in Vanguard funds in particular, I would just open a Vanguard account to keep it simple.

[@laurenkallie8643]

Thank you!

[@erikahall5549]

I like investing suggestions for people who don't have a large salary. So the $10 a month suggestions help me see the possibilities that I can invest and grow my money. I also am a visual learner so the visuals are soooo helpful!

[@ya6924]

Can you tell me what compensation can I get for a delay ed flight with united please Erika

[@Eldgar_Cordero]

Listening to this on my 16 hour shift today

[@soniavejar1]

Im in my 40s. I hope I can still turn things around. Also commenting to support your channel. 😉

[@supercruchynoodle]

Can you adjust your videos for premium you tube adaptation so that I can use their controls? Thank you

[@tarafox3299]

Is investing in a 401k enough or should you also open another account and invest in index funds like the S&P 500?

[@tayla3934]

You should max out your 401k and Roth IRA each year because they offer tax breaks. And after that consider opening another account that you can freely invest whatever amount, but your gains will be taxed more

[@tayla3934]

With an IRA you can choose your own investments as well

[@Annie9191-]

@@tayla3934I have two kids, do you know at what they can open for Roth IRA?

[@kuehnel16]

I'm 61 with no retirement fund . I would like to build a little nest egg for my wife. Any suggestions. She just turned 65 .

[@ariellelabelle1149]

This was absolute GOLD