Build Your Cushion First: A Calm Plan for Saving Before You Invest
If money is tight, the idea of “getting started with investing” can feel like a joke someone else gets to make. But the more useful starting point isn’t a stock market decision at all — it’s a much smaller, much calmer one: can you move a little money, on the same day every month, into an account you don’t touch? That single habit, repeated, is what turns “I never have anything left over” into “I have a cushion now.” Everything else, including investing, can wait until that cushion exists.