The reason I don't invest my money

I'm 33 years old and embarrassed to admit this, but I do not have any money invested and this is the reason why. Most of my life I've struggled with money starting with what I witnessed as a kid. And after making a huge mistake with college, I ended up in over $100,000 a student loan debt before I was 21 years old. Most of my 20s were me just surviving day-to-day. And I focused on saving any money I could save on a low to average income. I never thought of investing because it felt very confusing and too risky at the time. Especially when money was very tight and every dollar I made mad. Invest in investing just didn't feel like was meant for someone like me. Once I turned 30, things definitely started to turn around. I drastically increased my income from building up my side hustle and saved every dollar I could possibly save in my 20s that now today I'm close to being a half a millionaire. And none of that is invested, that's all money I've saved and worked hard for. Will people think I'm absolutely insane for having all that money in the bank? Yes. Did I miss out on having a lot more money? Yes. But you know what? I did what I was comfortable with and I focused on my path to becoming financially stable. I just chose to do things a little differently and I listened to myself and I followed my own And waited to get to a place where I feel comfortable to start investing without giving into the feeling of foam. I do have most of my money in CDs which generates about $1400 a month, which I think is amazing, but I do really want to start investing this year. Investing can be scary and there's a lot of opinions online of everyone telling you what you should do. But we're all doing the best we can and you're on your own path right now and I think that is just fine. And just remember, finances are not a one-size fits all. I love you guys. Thanks for watching. So, you should be proud of yourself, but you actually have the biggest risk along with every six-figure earn. One, you have risk meaning that the value of your money is going to be worth less over time. Two, you can actually invest in a low risk responsible way. Instead of investing in individual stocks, meme stocks, penny stocks, IPOs and even these crazy cryptocurrencies. You can invest in broad-based, low-cost index funds. These are my favorite ones, but you can invest in whatever you're comfortable with. These are my favorite brokerage. I personally use Schwab in fidelity and these are the accounts to open in this exact order with an IRA, HSA and a taxable brokerage account. Three, I promise you investing is not complicated and I know that a lot of people make it super confusing online because if you just invested $20 a day or around $600 a month, in 30 years you'll have around $1.2 million dollars with average stock market returns where you only put in around $200,000 of your own money and grew another $1 million of free money due to compound growth. Let that sink in. The biggest takeaway here is that you can't just keep working for your money. You have to let your money work for you. If you want to start investing, I would start by reading this book. book and this book. Or if you want to get all of my resources, they're always free in my bio. I hope this helps.