Welcome to the era where Gen Z is actively building wealth. With a fresh perspective on finance, this generation is ready to turn small investments into significant returns. In this newsletter, we’ll cover the essentials of smart investing—from opening your first brokerage account to using holiday spending for wealth-building. Whether you're starting out or refining your strategy, we’ll help you prepare for financial success by 2025. Let’s make those small investments a major financial breakthrough!

Today’s episode - Prosperity

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📈Building Wealth the Smart Way: Small Investments, Big Returns

As the world continues to evolve, so does the mindset of younger generations, especially when it comes to money. For Gen Z, the importance of investing and creating long-term wealth is becoming a central focus. However, there’s a gap in knowledge and execution, which can leave many feeling unsure of where to start. With the overwhelming number of investment opportunities, it’s crucial to approach investing with a clear strategy. This newsletter brings together valuable insights on how to break through this challenge and start investing today to build a secure and profitable future.

The Importance of Brokerage Accounts: A First Step to Wealth

For many, the thought of investing conjures up images of complicated stock charts, financial jargon, and risky ventures. However, the first step toward building wealth is simpler than it seems: opening a brokerage account. Whether you are a seasoned investor or someone just starting out, the brokerage account serves as the gateway to making your money work for you.

Ashley Fox, CEO of Empify, emphasizes that “saving alone will not make you wealthy.” It’s crucial to think beyond savings accounts and look into investments that generate returns. While savings accounts are great for storing cash, they don’t provide the same potential for growth as investments do. A brokerage account is the tool that allows you to buy stocks, bonds, ETFs, and other assets that can appreciate over time.

The Gen Z Mindset: Harnessing Efforts to Build Wealth

One of the most promising aspects of Gen Z is their entrepreneurial spirit. Many have embraced side hustles, online businesses, and creative projects to generate income. However, the next crucial step is to understand how to make that money work for them. Unfortunately, the education system has often failed to teach the essentials of investing. As a result, many young people may excel at generating income but struggle to use that income for wealth-building.

The key is to start thinking about passive income—money that continues to flow in even while you sleep. This can come from dividends, growth stocks, or real estate investments. By diversifying investments and setting up automatic deposits into a brokerage account, Gen Z can lay the groundwork for a secure financial future. Fox suggests setting aside a small amount of money, as little as $20 every two weeks, which can grow into a substantial portfolio over time. Fractional shares make it easier than ever for young investors to get started without the need for a large upfront capital investment.

A Strategy for Setting Yourself Up for 2025

As the year winds down, now is the perfect time to think about how to set yourself up for financial success in 2025. Fox encourages individuals to open a brokerage account and set aside money on a regular basis. By starting small and increasing contributions over time, individuals can set themselves up for success. For example, an automatic $20 deposit every two weeks might not seem significant at first, but the power of compound growth could turn that small contribution into a sizable nest egg.

Additionally, it's essential to build a strategic mindset around your financial goals. Think about the life you want to live at the end of 2025. How much passive income do you want coming in? How big do you want your investment portfolio to be? Having a clear vision of your financial future will help you make more intentional decisions today. The key is consistency and discipline.

Smart Spending During the Holiday Season: Turning Purchases into Investments

The holiday season presents a unique opportunity to not only spend money but also to think like an investor. During this peak spending period, many people are shopping for gifts, holiday items, and experiences. But what if every dollar spent also worked toward building wealth?

Fox suggests considering ownership in the companies where you’re spending your money. For example, if your family loves shopping at Target, why not buy a share of Target stock? Not only will you be supporting a business you believe in, but you’ll also gain dividends or potential capital appreciation as the company grows. This concept, called "investing in what you consume," helps align spending habits with long-term financial goals.

Fox's “I Own It” challenge encourages individuals to invest in the companies they frequently spend money with. Whether it’s Apple, Amazon, or even smaller brands, consider the impact of investing a small portion of your spending into the companies you trust. It’s not just about buying products—it’s about becoming a shareholder and participating in the company’s financial success.

The Psychology of Spending and Saving

As income rises, it’s natural to increase spending. However, the challenge lies in not allowing lifestyle inflation to outpace income growth. When you receive a raise or promotion, it’s important to remember that investing is just as crucial as spending. In fact, making investing a priority is one of the smartest financial moves you can make. As Fox explains, it’s not about choosing between spending or investing—it’s about doing both.

Spending money is necessary for a comfortable life, but investing ensures that wealth continues to grow even when you're not actively working. By investing a portion of every paycheck, especially after receiving a promotion or raise, you can sustain and grow your wealth in the long term. Over time, the compound growth from these investments will build a significant portfolio that works for you—whether you’re actively managing it or enjoying passive income.

Building a Profitable and Winning Portfolio: Why You Need Expert Guidance

As you set out to build wealth through smart investing, it’s important to remember that this journey can feel overwhelming—especially when balancing daily responsibilities. For those looking to accelerate their financial growth, the next step is to gain clarity and guidance on structuring a winning investment portfolio.

At Investing Wise Academy, we specialize in helping busy investors build profitable portfolios that are tailored to their financial goals. Our platform provides expert advice, portfolio management tools, and resources designed to simplify the investing process for those who may feel overwhelmed by the idea of managing their money. Whether you’re just starting or looking to refine your current strategy, our services ensure that your investments align with your future aspirations.

Investing doesn’t have to be complicated, and it doesn’t require a lot of time. With a clear strategy and consistent action, anyone can build a portfolio that works for them. Let us help you take the next step in your investment journey. Start building a profitable, winning portfolio today with us now (https://www.wizeinvesting.com/upgrade)! 

Take Control of Your Financial Future

Investing is a journey, not a destination. Whether you’re a young investor looking to build wealth or someone who's ready to take their financial strategy to the next level, the key is to start small and stay consistent. Opening a brokerage account, investing in companies you believe in, and making your money work for you are powerful first steps toward financial independence.

As you move forward, keep your financial goals in mind and commit to increasing your investments over time. By embracing a strategic mindset and making intelligent, consistent decisions, you’ll be well on your way to achieving financial freedom.

Remember: Wealth is built through intentional actions and smart decisions, no matter where you are in your financial journey. Ready to take control of your wealth-building efforts? 

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Thank you for reading, and remember: Investing today is the key to your financial freedom today and tomorrow. Let’s build wealth, one step at a time! 🚀

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Disclaimer: This newsletter is for informational purposes only and should not be considered financial advice. Please consult with a financial advisor before making any investment decisions.