#compound interest

Sweet pea, we are so proud of you for approaching investing with caution and making sure you fully understand it before diving right in. You are a wise and prudent baby bitchling and we love you for it!

First things first, here's everything we've ever written about investing:

MASTERPOST: Everything You Need to Know about Investing for Beginners 

Now, to answer your specific concerns:

Think of investing like borrowing and lending money. When you borrow money (let's say, to buy a car), you pay it back with interest. That interest is an extra bit of money you pay for the privilege and convenience of borrowing the money in the first place. The lender gets their money back from you PLUS interest for their trouble. Thus also with investing... except YOU are the "lender" and the companies you invest in are the "borrowers." That's where the extra money comes from: It's interest you earn back from the companies you invested in.

What makes investing so potentially lucrative is the concept of COMPOUND INTEREST: the interest you make gets reinvested, and you make more interest on it, thus growing your investment much faster than if you only made interest on the amount of money you initially invested. That's why we recommend investing as a way to build wealth to secure your future.

And yes--all of this is risky! Depending on how the stocks in your portfolio perform, you could indeed lose money. But there are ways to mitigate those risks and invest with caution. The tl;dr of it all is to invest regularly in index funds with automatic deposits, sit back, and ignore your investments for the most part. We explain all of this in the link above.

Hope that helps, my dear! We're happy to answer any other investing questions you have.

Maybe because its modern, maybe its because its easier to see myself in Miles rather than Benji or Silas - because I'm not religious and my family isnt, because I'm not a victorian psychic, because my family kinda gets it and im aroace and - maybe its because its more grounded and its supernatual aspect might not really be there

Or maybe because its a lot closer to home for the author. Because I know he studied a lot for authenticity for TSBIT but its hard to get the same rawness that you get from writing about your own home and your own family and your own people

There's a realism to it that's so heavy. Benji was accepted as a man or he wasn't, cut and dry - Silas was similar enough. But Miles gets the awkward difficult heartbreaking middle, where sometimes it hurts more than outright rejection because these people love you. Miles so solid in his identity as a man but the word autism breaks him a little, the way people are so hard and the ways he doesn't fit in - theyre closer to home because its problems from our time, not the issues of autism clashing with the expectations of a victorian 'lady'.

I remember the joy I had when I realised someone I kinda grew up with was trans too. I remember what it was like to be 16.

I was close to tears through the end but only started crying in the acknowledgements. Because AJW's partner's wedding ring is opal, which is what I want mine to be, and somehow that was what pushed me over the edge.

also whats an fcp..

Alright, here's an example. Let's say you have $200 in a simple interest account and a compound interest account.

Simple interest is when your earnings increase a set amount, let's say $3 a year for simplicity. So, after 20 years, you would have a total of $260 ; $200 that you started with and $60 you accumulated as interest.

Compound interest is when your earnings increase by a set percentage, 3% for instance. Every year, 3% will be calculated from your total amount and added on top of it. This is recurring interest, so the first year might be $6 added in for a total of $206, but the next year, the account would take 3% of the $206 instead of 3% of the $200.

So, after 20 years with a compound interest account at 3%, you would have $364.15

Compound interest is the best kind of interest account to hold, for clear reasons. You let that money sit and accumulate, adding more and more, and by retirement age, you'll have a little bit of spending money to use!

Hope this helps!

Low Income. High Conviction. That’s not just a tagline it’s a strategy.

Wealth isn’t reserved for the privileged. It’s built by those who move with intention, even when the math doesn’t add up. If you’re earning $800/month, $1,200/month, or just scraping by, this article is for you. Because wealth isn’t what you earn it’s what you build.

The Myth of “Not Enough”

Let’s start here: the system teaches us that wealth begins with excess. That you need a high-paying job, a trust fund, or a financial advisor to start building. That’s a lie.

Wealth begins with conviction, not cash. It’s built in the margins between rent and ramen, between side hustles and sleep. The myth of “not enough” keeps people stuck. But conviction breaks that cycle.

Step 1: Shift Your Mindset

Before you budget, invest, or stack income you need to rewire your beliefs.

You are not broke. You are building.

You are not behind. You are early.

You are not stuck. You are stacking.

This isn’t toxic positivity it’s strategic reframing. Because every dollar you move with intention becomes a brick in your legacy.

Step 2: Budget Like a Builder

Forget restrictive spreadsheets. You need a Wealth Jar Method a system that turns budgeting into legacy moves.

The Wealth Jar Breakdown:

Essentials Jar (60%): Rent, food, transportation

Conviction Jar (20%): Debt payoff, savings, emergency fund

Legacy Jar (10%): Investing, education, skill-building

Joy Jar (10%): Fun, self-care, community

Even if you’re earning $1,000/month, this system works. Because it’s not about the amount it’s about the intention.

Step 3: Stack Income Like Pancakes

One stream won’t cut it. But stacking doesn’t mean burnout it means alignment.

Income Stack Ideas:

Primary Job: Anchor income

Side Hustle: Freelance, delivery, digital services

Passive Stream: eBook, merch, affiliate links

Community Stream: Skill swaps, bartering, mutual aid

The goal isn’t hustle culture it’s resilience. Stack what aligns with your values, not just what pays.

Step 4: Invest Without Intimidation

You don’t need $10,000 to invest. You need $10 and a strategy.

Beginner Moves:

Use apps like Cash App, Robinhood, or Fidelity to buy fractional shares

Start with ETFs (Exchange-Traded Funds) for diversification

Learn about crypto, but don’t gamble conviction over hype

Invest in yourself: courses, books, certifications

The key? Consistency over complexity. $5/week beats $500 once.

Step 5: Build Legacy From the Ground Up

Wealth isn’t just money it’s impact. It’s what you leave behind. It’s what you teach. It’s what you wear, say, and share.

Legacy Moves:

Start a blog, podcast, or YouTube channel

Create merch that tells your story

Teach others what you’ve learned

Document your journey because your story is strategy

Legacy isn’t reserved for the rich. It’s built by those who move with conviction.

Final Take:

Building wealth from a low income isn’t easy. But it’s possible. It’s not about shortcuts it’s about systems. It’s not about privilege it’s about purpose. It’s not about waiting it’s about starting.

You don’t need permission. You need a plan. And you’ve already got the most important asset: conviction.

Ready to Start? Low Income, High Conviction™ is the blueprint. 14 pages of strategy, grit, and legacy moves built for the $800/month earners and the $80K/year builders. Inside you’ll find:

The Wealth Jar Method

Budgeting frameworks that actually work

Income stacking strategies

Legacy-building prompts

Movement-minded mindset shifts 👉 Download the eBook now → https://compoundmoney.gumroad.com/l/iurqxr Start with grit. Build with conviction. Let’s keep compounding.

The boxfish, found in tropical and temperate shallow reef areas, is a fish covered entirely in bony plates. Its body appears boxy with only its eyes, mouth, and fins movable, hence the name. Despite its cute appearance, the boxfish is a tough character in shallow seas. When threatened, it rapidly secretes a neurotoxin called pahutoxin, harming nearby organisms. In extreme cases, such as in confined aquariums, the high toxin concentration can even be fatal to the boxfish itself.