this post was submitted on 19 Nov 2023
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As the title said, I’m 15 years old and have AU$1400 saved up. I no longer have a job and am working on a small business of mine, which has just $300 in revenue in the last few months.

The reason I’m here is because I’m not sure if I should invest in some compounding assets or something else, and if I should educate myself on stocks/dividends before making a decision?

I have read finance books such as Rich Dad Poor Dad, the Warren Buffett Way, and others, so I do know a lot about finance/business considering my age.

I previously had a job as a dishwasher for AU$16 per hour, and so I got $1700 from that after working for 5 months.

If I should ask this on a different r/, please direct me there so I can figure out what I should do :)

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[–] Agro_Crag@alien.top 1 points 2 years ago

First of all, you’re the man. Thats awesome you’re already educating yourself and working hard. This would be my advice to you: -Keep working a job and saving/budgeting money. I say budget, not just save, because you should still budget for fun things in life at your age. Enjoy the fruits of your labor while still stacking some savings. -You asked about compounding assets - keep that mindset when it comes to investing. When you’re young it can be very tempting for you to take the bait of some higher risk or get-rich-quick opportunity. I made some dumb financial decisions hoping to win big - NFTs, individual stocks, even trends like dropshipping. Would have been much better off focusing on long term. Starting at your age compounding is huge. And a monthly contribution of some sort is a good habit to develop at your age.

[–] espositojoe@alien.top 1 points 2 years ago

The market is soft right now, so you may want to consider investing in a money market account, or just a regular savings account.

[–] Traditional_Mix68@alien.top 1 points 2 years ago

Stay out of the stocks tbh focus and pour everything you have in the business and just see where it goes

[–] jttab20@alien.top 1 points 2 years ago

I'm new to Reddit. Want to get people to test out my prototype. Would appreciate any uparrows so I can post a bigger announcement

[–] plantinta@alien.top 1 points 2 years ago

Create more streams of income using that money (at least 3 or4), you can invest $100, but you need to have active sources of income before investing

[–] Open_Paramedic_2075@alien.top 1 points 2 years ago

Don’t rush to spend it mate, find your niche, work on it a lil without dropping some cash (if it’s possible), then when you feel like it’s the one, you can use those savings.

[–] SullaTharyS@alien.top 1 points 2 years ago

Buy bitcoin and wait until you 30.

[–] HatchimalSam@alien.top 1 points 2 years ago

Keep working on that business. And brainstorm on some more.

[–] Enkis_Champion@alien.top 1 points 2 years ago (1 children)

If you’re 15 and you’re thinking like this I’ll tell you already that you’ll be successful. As for your $1500 first ask yourself whether you want immediate and high ROI with high risk or a more balanced long term approach. If it’s option A, look into options trading. If it’s option B, look into assembling a small portfolio and invest in index funds. Option C is another low yield option, but very safe; US government bonds. You’ll get back 4 ish %. Also get on LinkedIn and join groups where CEOs and finance leaders like myself share opinions, views, and data!

[–] real-venomrl@alien.top 1 points 2 years ago

Ok I’ll look into that. Thanks!

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