It's Never Too Late To Start Investing

3 Tricks Billionaires Use to Help Protect Wealth Through Shaky Markets

“If I hear bad news about the stock market one more time, I’m gonna be sick.”

We get it. Investors are rattled, costs keep rising, and the world keeps getting weirder.

So, who’s better at handling their money than the uber-rich?

Have 3 long-term investing tips UBS (Swiss bank) shared for shaky times:

1. Hold extra cash for expenses and buying cheap if markets fall.

2. Diversify outside stocks (Gold, real estate, etc.).

3. Hold a slice of wealth in alternatives that tend not to move with equities.

The catch? Most alternatives aren’t open to everyday investors

That’s why Masterworks exists: 70,000+ members invest in shares of something that’s appreciated more overall than the S&P 500 over 30 years without moving in lockstep with it.*

Contemporary and post war art by legends like Banksy, Basquiat, and more.

Sounds crazy, but it’s real. One way to help reclaim control this week:

Skip waitlist.

_{*Past performance is not indicative of future returns. Investing involves risk. Reg A disclosures: masterworks.com/cd}

Many adults feel overwhelmed and behind when it comes to personal finance, often due to a lack of education rather than irresponsibility. The key to financial success lies in awareness, consistency, and simplicity, such as tracking spending, investing in broad-based index funds, and building an emergency fund. Starting late is not a barrier to financial freedom; it’s an opportunity to learn and take control of your money.

There’s something I see over and over again when I talk with people about money. It usually starts with a deep breath, followed by something like:

“I feel stupid for not knowing this stuff.”
“I should’ve started years ago.”
“I’m almost 40 and I’m just now paying attention.”

Let me say this as clearly as possible.

There is no shame in starting late.
There is no expiration date on learning money.
And you are not broken because nobody ever taught you this.

Recently, I had a coaching call with someone in their late 30s. I’ll keep all names and identifying details out of this, but the story itself is worth telling because it’s incredibly common.

This wasn’t a reckless spender or someone ignoring reality. This was a normal, hardworking adult who did what most of us were taught to do. You work hard. Pay your bills. Buy things that make life tolerable. Hope it all works out.

Then one day, it hits you. “Oh… I should probably understand my money.” If that’s you, pull up a chair. You’re in the right place.

I’ve Been Buying Happiness Instead of Building a Future

That line stuck with me. This person wasn’t drowning in debt. They weren’t living wildly beyond their means. They just never had a system. No plan. No framework.

Money came in. Money went out. Repeat.

And that’s the trap. When you don’t have a plan, spending becomes emotional. You reward yourself for surviving another week. You justify purchases because life is expensive and stressful. And slowly, quietly, time passes.

What really came through in the conversation wasn’t irresponsibility. It was kinda like overwhelm.

Investing felt like a foreign language. Retirement accounts felt kinda mysterious. Terms like Roth IRA, index fund, and diversification sounded like they belonged in a finance textbook, not actual real f’n life!

And that overwhelm leads to paralysis. So we often do nothing.

The Truth Nobody Says Out Loud

Here’s the part I wish more people understood.

Most adults are guessing.
Most people don’t know how their 401(k) works.
Most people have money sitting in accounts that aren’t even invested.

Seriously. I see it all the time. Money goes into a retirement account, but nobody ever chose what it should be invested in. So it sits there in cash, doing almost nothing, while inflation eats it alive.

That’s not stupidity. That’s lack of education. And our system is really good at pretending those are the same thing. They’re not.

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