Episode Details

When we sent out a listener survey last fall, one topic seemed to be on everyone’s minds: investing. So many of you told us you don’t feel ready to invest yet.

We relate to this deeply. Even after years of writing about investing professionally, talking to experts, and researching the topic, we still felt that hesitation ourselves. We kept setting what we jokingly call “procrastination goals” — telling ourselves we’d start investing after we saved a little more, paid off one more thing, or learned just a little bit more.

In this episode, we unpack what people often mean when they say “I’m not ready to invest yet.” We walk through the hidden beliefs that keep many of us stuck in that in-between phase — and the signs you might actually be more ready to invest than you think. Finally, we talk about how to overcome the “I’m just not ready” hurdle once and for all. 

If investing has been floating around in the back of your brain for months (or years), this conversation is for you.

✨ Episode Timestamps ✨

• [00:00] The surprisingly common feeling of “I’m not ready to invest” — even among people who know a lot about money
• [03:00] “I don’t have enough money to invest” — when competing financial goals make everything feel tight
• [04:00] When inconsistent income makes investing feel impossible (even though it doesn’t have to be)
• [06:00] When traditional finance advice feels like it wasn’t made for people like you
• [08:00] Why investing feels scary — especially if your first exposure was 2008 crash stories or crypto chaos
• [10:00] The “I need to learn more first” trap (aka procrastinating perfectionism)
• [13:00] The sneaky procrastination mindset: “I still have plenty of time”
• [15:00] Signs you might actually be ready to invest: curiosity, extra money sometimes, and no high-interest debt
• [17:30] The biggest signal of readiness: wanting more freedom in your future
• [18:00] The one thing that actually makes people feel ready to invest — and our live workshop for getting started

✨ Resources ✨

• Book: The Perfectionist’s Guide to Losing Control by Katherine Morgan Schafler

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