The Perfect Conditions Myth

A lot of people wait to invest until conditions are perfect. Until the debt is paid off, the emergency fund is full, the income is stable. The problem is, perfect conditions rarely arrive, and every year you wait costs you.

The Priority Order

That said, some things should come first. Getting your 401k employer match is always worth it because it's free money. Having at least a small emergency fund prevents you from cashing out investments to handle surprises.

Starting Small Is Still Starting

You don't need thousands of dollars to begin. Many platforms let you start with $50 or less. The habit of investing regularly matters more than the amount at first.

Track Your Full Picture

Spendify helps you see your complete financial picture, from spending to debt to savings.