# Why You Should Invest $100 - Link: https://threedolar.com.br/en/why-you-should-invest/ - Published: 2025-08-19T08:38:23-03:00 - Author: silencedog ## A Politically Different Investment Guide You’ve certainly found yourself in this situation before: **you’ve paid all your bills, and now you have $100 left to invest.** This is especially common if you’re young and in your first job, though even experienced professionals face this scenario. But then the question hits you: _**Do I really need to invest this hundred dollars?**_ After all, it’s a small amount—what kind of return could I possibly get? **The answer is always YES.** If you ever want to accumulate wealth and escape the paycheck-to-paycheck cycle, you need to start accumulating and investing. However, let’s analyze some other aspects in this article that can **multiply this invested value by 10x**. ## When Should You Invest $100? ### Now, Tomorrow, or Next Year? Many people think that every dollar earned must be invested **IMMEDIATELY**. In reality, this doesn’t have to be the case. **Every dollar earned should be allocated thoughtfully.** Deciding when to invest your money is crucial, but before that happens, you need to define your objectives. Most importantly, _**where you put your money will determine the pace at which you invest**_—and this is crucial in your investment journey. ## Where Should You Invest? _“To keep a fire burning, you have to keep adding wood.”_ Wait a moment. What does this phrase mean? Let’s create a hypothetical situation and analyze **two investment approaches:** 1. **Investing in stocks** (variable income) 2. **Investing in yourself** (increasing capacity) ### First Hypothesis: Stock Market Investment You invested $100 every month for a year, totaling **$1,200**. You studied and dedicated yourself, analyzed stocks, watched videos and analyses, and achieved a **15% annual return**. **Results:** * Initial investment: $1,200 * Return (15%): $180 * **Total: $1,380 gross** At this amount, there’s no tax incidence, so no tax forms needed. _**Did it pay off to spend 2 hours per day × 200 days per year to earn $180?**_ **Definitely not.** You became more experienced and learned, but the amount is too small to make a real difference or get you out of your current situation. ### Second Hypothesis: Investing in Yourself I don’t know what your profession is right now, but I know two things: **either you love it and want to specialize, or you want to change careers soon.** Now, let’s take those monthly $100 and invest in a technical course. It’s faster than a college degree, gives you your first official diploma, validates your expertise, and provides you with a trade. **Benefits of this approach:** * Higher chances of changing jobs * Salary increase opportunities * **Certainty that within a year, you’ll earn much more than the $180 gross return from the first case** ## Why Doesn’t Anyone Tell You This? Here’s the truth: _**people only recommend what’s good for them.**_ There’s nothing wrong with that, but what I want you to understand is that **you’re on your own** when it comes to reflection, and you need to choose what’s best for you. It’s important to take time to think and understand what will be better for you.** Only you know what’s best for your situation.** ## How to Do This? To complete our reasoning today, let’s address the million-dollar question: _**How do I do this?**_ You’re going to do an exercise with me right now: ### **The 15-Minute Reflection Exercise:** 1. **Put your phone on silent** 2. **Set a timer for 15 minutes** 3. **Get paper and pen** 4. **Write down what you enjoy + what you’d like to do with your life** This list must contain **YOUR preferences**—not your friend’s, not an influencer’s, not a celebrity’s, or an athlete’s. Do these people influence your life? Of course! But it’s up to you to reflect on what you really want. _**You’re not going to write “I want a Ferrari this year”**_ because that’s not how it works. You can want the Ferrari—there’s nothing wrong with that. But understand that before the Ferrari, you’ll need: * The economy car * The mid-range sedan * The luxury vehicle * The sports car * **Then** the Ferrari **Everything in life is a step-by-step process.** Do you think you can make quantum leaps in life without being prepared? That’s not how life works. ## Practical Summary: What to Do with $100 Monthly Here’s your action plan: ### **Step 1: Self-Discovery** * Take time to understand what you want and what you enjoy ### **Step 2: Goal Setting** * Visualize and write down your objectives on paper ### **Step 3: Self-Investment** * Invest in yourself relentlessly ### **Step 4: Gradual Progress** * You’ll reach the top of the mountain, but you have to climb one level at a time --- **If you’ve made it this far, it’s because you enjoyed this content and want to change your life.** Share this with a friend who needs this wake-up call. Thank you for your time. --- _Ready to transform your financial future? The choice is yours._ [MY FINANCIALS GOALS FOR 2025](https://threedolar.com.br/en/my-2025-financial-goals-and-strategy/) ![silencedog](https://secure.gravatar.com/avatar/23534987e53f223fefe373bad21cf0fed944c122744c00ef63389122a35eac01? s=100&d=wavatar&r=g) [silencedog](https://threedolar.com.br/en/author/henriquep/)