The video provides actionable, low-barrier-to-entry financial advice, specifically targeting individuals with limited funds. The use of relatable language and a clear, step-by-step approach makes the complex topic of investing accessible and encouraging.
Summary
The creator explains how to make $50 work for you by opening a high-yield savings account and a Roth IRA. She advises investing the $50 in the S&P 500 through the Roth IRA and dedicating an additional $100 per week to be split between savings and investments.
Structure
1Introduction: $50 is not enough to save
2The problem: Many people have no savings
3The solution: High-yield savings and Roth IRA
4
Original caption
Only have $50? Start here. high yield savings / smart money / personal finance / wealth building #MoneyTok #Savings #FinancialLiteracy #WealthBuilding #MoneyTips
More from @robbie_rory
More breakout videos from this creator.
Actionable steps: Open Sofi, set up direct deposit
5Investing strategy: S&P 500 in Roth IRA
6Additional income goal: Earn $100/week to invest
Call to action
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On-screen text
ONLY HAVE $50? YOU'RE USING IT WRONG
How to make your money work for you
In 2026
EXACTLY
SAVE & SHARE
FOLLOW FOR MORE
Transcript
is exactly what I would do if I had $50 and I wanted to make sure 2026 was going to be my best year financially, okay? So I'm talking to the hot girls, the broke girls, the girls that have everything on a firm, nothing in a retirement account, savings account, no stocks, no nothing. Exactly. This is exactly how you're going to start with $50 getting okay. Make sure you save this video, make sure you repost this and share this to someone else that needs it because we all know that friend who's living that rich poor life. Like she has all the designer, she has all the things, but if you asked her if she had $1,000 in her savings account, she would have nothing to show for it. Gonna is going to yield one promotion. SoFi. That account doesn't so with that $50, I don't have to worry about putting money in there right now, but I will set up a direct deposit so that direct deposit can start feeding it. But next, I'm going to do is open up a Roth IRA. I know you guys hear about Roth IRAs all the time, but Roth IRAs are literally like a cheat code because only does the government not get a piece of it. When I say a piece, I mean it's untaxed. Okay? So what you're going to do with that $50 is going to IRA. You're going to take that $50 to Roth invest. A lot of people open up the Roth IRA, but then they forget to actually do something with it. Babes, we're trying to make our money grow, okay? We're going to invest it in the S&P 500. Why the S&P 500? Because the S&P 500 is basically a culmination of the 500 best companies, best companies in America, think Apple, Nike, Tesla, and you're basically putting in your money into a tiny portion of all of those companies. So instead of just hoping and praying that let's say, for example, Tesla stock does well, or Nike stock does well, by having everything, you're then able to get gains off of the performance of those of all of those companies, instead of just one. Lastly, I would make a personal goal for myself to make $100 extra every single week on top of my income. And that $100 can come from Instacart, DoorDash, content creation, whatever it is, just dedicate to making an extra $100 every single week. That $100 you're going to divide it up by two. $50 is going into your high yield savings account and then $50 is going into that Roth IRA, and you're going to invest that. That's what I would do if I have $50. I'm trying to get on track. Actually my in finance goals in order.
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