When it comes to investing your own money, you might be overwhelmed by the variety of "financial advice" you can get these days.
Some say you only need to invest in index funds and the S&P500, pay as low fees as possible, get your 7% average yearly return, and become a millionaire in 20+ years. (I wish it were that easy!)
Others promote stock picking, crypto, investing in start-ups, or pre-IPO deals, where you can 10X your money in just a few years, if not months (good luck with that!).
There are also lots of opinions in between.
Over the years of working in investment management, I have realised one thing.
Even those who accumulate substantial assets (like $50m+) from their business don't always fully understand how to think about their investments and can lose a lot of money due to bad decisions and wrong calls (usually due to egos).
As Dr. Julie Gurner puts it 👇
There are 3 skills involved in Generational Wealth:
— Dr. Julie Gurner (@drgurner) March 15, 2025
1. Making money
2. Growing it
3. Keeping it
Most people will not be great at all of them.
Don't be stubborn.
Hire financial experts to help you thrive. https://t.co/UmqEY4X5Zm
So, in this article, I will explain how we should think about investing our money if we want to retire comfortably or build generational wealth.
It's not about what you should be doing but how you should be thinking. It is about mental frameworks and systems—not what hot stock or meme coin to buy next.
While it all sounds simple and (most likely) familiar, you will be surprised how many people don't follow these simple rules.
So, let's start with the basics.
