How many times have you said "I'll do it when the time is right"?

Starting to invest.

Building a business.

Taking a look at your finances.

Enrolling back to grad school.

Here’s the hard truth:

Waiting for the “right time” is costing you more than you realize.

Throughout my life (being an eldest daughter & having nursing as a career), I have been conditioned to prioritize the needs of others. You probably did too.

At work, we’re always told "patients first”. Then, charting. Then finally taking that pee break. Then finally, lunch time. Then family. By the time, we sit down, our own dreams are at the bottom of the list—again.

And while we wait for more time, more money, more clarity…

Time keeps moving.

Opportunities fade and most importantly, we lose momentum.

Let’s take investing for example, and look at the numbers.

Let’s say you want to start investing but feel like you need to wait until you “have more money.” So you put it off for 5 years.

If you had started with just $150/month during that time—
at a 10% annual return (which is historically average for the stock market)—
you would’ve had around $11,600 by the time you were finally “ready.”

That’s $11,600 your future self won’t have.

And it’s not just the money.
It’s the confidence you could’ve built.
The knowledge you could’ve gained.
The momentum that would’ve been on your side.

One of my biggest money mistakes is waiting to invest. Had I invested when I was a new grad nurse more than 15 years ago, I would’ve been in a better position right now when it comes to retirement.

I often wonder, why did I wait for the right time? Why did I wait to invest?

There are a couple reasons why. I waited because I did not know any better. Second, I wanted to do it right and not want to mess it up.

Waiting feels safe, but it’s actually a sneaky form of fear.

We wait because we don’t want to make mistakes.
We wait because we want things to feel perfect.
We wait because taking the first step feels too big.

But perfection is a myth.
And your financial life won’t change by accident.

Had I not finally start reading finance books, indulging in money podcasts and actually working on my finances and investing, I would be where I was 15 years ago.

What if today is the right time?

Not because everything is lined up perfectly…
But because you’ve decided to stop waiting.

I believe that truly, there is no such thing as bed decisions.

Either path you choose, you always will either gain or learn something.

You don’t need a six-figure salary to start building wealth.
You don’t need to be debt-free to learn about investing.
You don’t need to know everything—you just need to be willing to learn.

If you’re tired of waiting, I’ve got something for you.

If you’ve been waiting for a sign…
This is it.

I have an on-demand class that will show you how to get started with stock market investing. This will give you the basic information to get started.

Yesterday was the best time to start investing. The next best time, is today.

Here is the link to sign up.

Money Resources for you this week:

• Money Mistakes I made as a Nurse [video]

• Download a money tracker. Know where your money is going. I personally like MONARCH MONEY [slightly similar to Mint App] , click here for free trial. 

Have a great week ahead!, Ellaine