PesobesoCapital | Simple Guide to Start Investing (¡Sí Se Puede!)

Bienvenido, amigo! 👋 If you've ever thought, "I wish I knew how money really works," you're not alone. Most of us — especially growing up in Latino families — were taught to work hard, but not always how to make money *work for us*. Today that changes. Let's break down investing the easy way, with lessons inspired by two powerful books: "The Richest Man in Babylon" and "Rich Dad Poor Dad".

1. The Basics: Why You Need to Invest

Saving is important... but saving alone won't make you rich. Imagine if you just kept your money in a coffee can — it's safe, but it never grows. 💸 Meanwhile, investing is like planting seeds that grow trees 🌳 — giving you fruit year after year!

2. Pay Yourself First (Straight from Babylon!)

Before you pay rent, bills, tacos 🌮, or even Netflix — you must first pay yourself. This means taking a piece of every paycheck and saving it for your future.

Example: You make $500 this week? Pay yourself at least 10% ($50) FIRST before spending a single dime. Put it into a savings or investment account.

3. Make Your Money Work (Rich Dad’s BIG lesson!)

Robert Kiyosaki, in "Rich Dad Poor Dad," teaches this powerful idea: Poor people work for money. Rich people make money work for them.

• Buy things that make you money (assets), like stocks, businesses, or real estate.
• Avoid spending on things that only cost you money (liabilities), like flashy cars or credit card debt.

Real-World Example: Instead of spending $400 on new Jordans 👟, imagine using $400 to buy shares of a company like Nike ($NKE). Ten years later, your Nike stock could be worth way more — and guess what? Then you could buy Jordans AND have money left over!

4. Start Small (Tu primer paso!)

You don't need to be rich to invest. You need to be consistent. 💪 Even $20 a week is powerful if you keep at it.

Options to Start:

• Stocks: Buy a piece of companies like Apple, Coca-Cola, Disney!
• Index Funds: Easy way to invest in hundreds of companies at once.
• Crypto (optional): For those feeling adventurous — a small amount into Bitcoin or Ethereum.

5. The Power of Compounding (El Milagro Latino! 🌟)

Compounding is when your money earns money — and then THAT money earns money — like a snowball rolling downhill getting bigger and bigger.

Example:

• Invest $1000 today.
• Earn 10% a year (historical stock market average).
• In 10 years? You have $2,593 without adding more money!

Now imagine adding just $20 a week... 💥

6. Mindset Shift: From Worker to Investor

Think about money differently starting today:

• When you make money, think "How can I multiply this?"
• When you want to spend, think "Could this money grow bigger first?"

Don't just work hard — work smart AND hard. Become an owner, not just a worker. 🧠💰

7. Simple Beginner Steps (Toma Acción Hoy!)

1. Open an account at a trusted brokerage (like Fidelity, Vanguard, or Robinhood).
2. Start small: Invest $20-$50 a week — automatic if possible.
3. Learn about index funds (like S&P 500 funds).
4. Track your investments once a month, not every day!
5. Keep learning: Read one book a month about money (and join the PesobesoCapital family for tips!)