If I had to invest my first $100 in the stock market again, this is exactly what I would do.

@smobyday

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Why it worked

The video uses a relatable, low-barrier-to-entry hook that addresses a common pain point for beginners. By combining financial advice with a casual 'get ready with me' style, the creator builds trust and keeps the viewer engaged.

Summary

The creator shares eight actionable steps for beginners to start investing with $100. She emphasizes the importance of starting small, automating savings, and prioritizing financial education.

Structure

1Introduction to the $100 investment challenge
2Advice on overcoming the fear of not knowing enough
3Recommendations for brokerage accounts and learning resources
4Strategy for small, automated investments
5The importance of splitting funds between investing and learning
6Closing message on financial empowerment

On-screen text

How to invest your First $100 (for the girls building financial literacy) 1. Invest before you understand everything 2. Fidelity, Vanguard, Schwab 3. Watch YouTube video for learning 4. practice buying etf/stocks with only $100 at first 5. ETF's first, stocks later. 6. learn how to automate investments immediately 7. set SMALLLL financial goals 8. split $100: $80 invested $20 learning HEAR MEEEEEE:

Original caption

financial literacy is feminine & hot 💅 💸 💄don’t let the fear of not knowing about finances keep you from investing!! watch a video on how to invest and just. start. #PersonalFinance #investingforbeginners #financetips #financialliteracy #financialconfidence

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Transcript

If I had to invest my first $100 in the stock market again, this is exactly what I would do, as somebody who makes more money than 90% of the finance bros you've ever met. First I'd stop waiting until I understood everything. Confidence comes from participation, not perfection. Wasted so much time trying to learn what everything meant when my money could have been working for me and then I understood everything after. Would open up a brokerage account. I use Fidelity. You can use Vanguard, Charles Schwab, whatever you want, but I like Fidelity. Instead of trying to figure it out on my own, I would just look at a YouTube video. I would only transfer $100. I don't know what I was thinking transferring any more than that. Even if it feels small, it's where you start building the habit. Invest in an E.T.F. Do not invest in a stock. Go on TikTok and look up what E.T.F.s people recommend. I would automate the crap out of everything. Set up recurring transfers, even $25 a week. Start setting small financial goals. Think of saving for a therapy appointment or a skincare refill or a weekend getaway, or even buying iced coffee three times a week without feeling guilty about it. Just start so small. I would also split your $100 into two different buckets. $80 goes towards investing and $20 goes towards learning. Even have lunch with a friend who knows about finances or who works in finance and ask them questions. And buy him a coffee. $80 to compound your investments, $20 to compound your brain. When women know about their finances and educate themselves on their money, they don't just change their lives, they change their options.