It’s late and I have to say this. Jumping in and out of trendy stocks isn’t necessarily the move. Neither is jumping on a bandwagon or getting overly hyped over crypto. Investing in your financial future is the move. This is serious, y’all. So how do you do that?

It’s not glamorous, but first you need to set up a safety net in a high interest savings account. That money isn’t tied up in stocks. This is liquidity. You are safe (for six months, at least). Google “high interest savings account” and hide it from your main checking.

Next, some actual investing! You learn about asset allocation. As an individual, how much risk are YOU comfortable with? You set up an investing account with your broker of choice, and dollar-cost average into the same positions at the same time every month.

You invest strategically, and hold. If you’re like me, you love the idea of potentially holding for decades. And then you watch your money grow. It’s so cool!! While it’s growing, you educate yourself about the tax implications of said growth.

Also! Cash depreciates over time! It’s subject to its own type of risk (inflation risk). So investing is literally the only way to make sure your $100 bill still has any value when you go to retire in 20 years from now.

Yeah, the system is far from perfect. But how can you make it work for you?!

All I’m saying is that this is really, really important. I decided to honor my money and actually study finance. I know that it all seems like a joke right now. And sure, this week was crazy!