Too busy working day to day – for a boss? Selling them your life and time, you’re just a mouse on the work wheel. Change is scary.

Updated December 2020

Welcome to the last few days of the Challenge, my budding investors. The beginning of a new phase of your lives, where you’re finding the courage to start building your investment portfolio.
Or are you still dreamin’, planning, hoping?
Let’s take a look at which stage you’re at in your career or working life:

• Beginning?
• Middle?
• End?

1. Beginning

You’ve left school, started a trade or finished uni – and earning a wage barely enough to cover a night out at a club. Although you hope that working 18 hour days, 24/7 will soon have you earning decent money, you’re beginning to realise that – working for a boss sucks?

2. Middle

Your career’s progessing, but the thought of spending another 20 years doing the same thing doesn’t have you leaping out of bed. Or maybe the changing nature of work and increased competition mean that your job is not secure. You need to reinvent yourself, upskill. Whatever it takes to stay employable and maintain your lifestyle, and that of your partner or family. Or worse still, perhaps a life tragedy – death, divorce, accident or illness have changed your life forever and you need to somehow earn more money.

3. End

You’ve retired, or about to – either voluntarily or not! But looking at your superannuation or retirement nest egg, it’s unlikely to sustain you. Especially due to government changes to taxation, pension or superannuation laws. Or you too suffer a change for the worse in your circumstances. So that overseas holiday, helping out the kids, or even a weekly dinner at a nice restaurant – are all looking pretty unlikely!?

Over the past 3 weeks we’ve covered a lot of investing issues. Some things you may have already known, others not. Whether you’re a doctor, nurse, lawyer, accountant, tradie, looking after the family at home – makes no difference. Here’s hoping you now ‘get’ that relying solely on your own efforts for income is pretty limiting.  And that if you start investing – buy some shares, an investment property, start a business, or even question whether your superannuation is being managed properly – you’ll have more, better choices.

But perhaps you’re still struggling?
Investing is too complicated?
You don’t know where to begin?
You don’t have the time, aren’t quite ready?
It’s all too hard and you should just stop dreaming?

…I hope not

Tomorrow let’s dig into why it’s never too soon, nor too late, to get your money working better for you. And that you can achieve financial freedom and independence.
No regrets, no B.S., no boot camps.

And if anyone tries to tell you otherwise – tell ‘em they’re dreamin!

Your task:

Decide whether or not you’ll to take steps to change your current financial circumstances.

Love to get your feedback – email or leave a comment.

I’d also be delighted if you find BiG and my work helpful, and share it with friends, family and others who want to build on their investments. (Just Subscribe, be part of the Challenge and receive our updates – all for free.

All the very best with your life and investing.
Andrea

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Next up:

Phew, Finale! Day 30 BiG’s 30Day Investing Challenge – Investing BiG Regrets| Investing B.S.| Investing Boot Camps

Where we’ve been – 30 Day Challenge Blog overview:

Day 2 – Where the Bloody Hell Are You?! Assessing your current financial situation
Day 3 – The Lazy Investor’s Way to Set Goals
Day 4 – Spoilt for Choice! The Many Types of Investments and Strategies Available to You – the Investor!
Day 5 – Who Can You Turn to for Investing Help? People and ‘Players’ in the Investment Industry (Day 7-8 Review and reflect)
Day 9 – How to choose a financial adviser and advice you can trust. It’s all about the faith! Part 1 Financial planners
Day 10 – Part 2 Rate the Raters! Investing Rating sites, Top 10…, Best…
Day 11 – Part 3 The Investing Information Tsunami! Media, Books, Magazines, Websites, Blogs, Podcasts, Webinars…
Day 12 – Part 4 Less Regulated Advisers – Analysts, Commentators and Gurus (Day 13-14 Review and reflect)
Day 15 – Part 4 Less Regulated Advisers… Gurus
Day 16 BiG 30Day Investing Challenge| Who are the best investment gurus? Part 1| Avoid some Gurus
Day 17 – Who are the best investment gurus?  Part 2| Find a Guru
Day 18 – Who are the best investment gurus?  Part 3| Rate a Guru
Day 19 – Who are the best investment gurus?  Part 4| Choose a Guru (Days 20-21 Review and reflect)
Day 22 BiG 30Day Investing Challenge| Time to invest – just do it! Step 1 Use Neuroscience and Psychology – Investing Hope to Reality  
Day 23  Step 2 Choose your investing team – or do it yourself investing
Day 24  Step 3 Be a smarter, more intelligent investor
Day 25 Step 4 Build your own investing plan and strategy
Day 26 BiG 30Day Investing Challenge| Time to invest – just do it! Step 5 Time to shop – for your investments! (Days 27-28 Review and reflect)