How To Invest For Teenagers

If you ever wanted to know how to invest as a teenager, this is the video for you. My best investing advice for teenagers.

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I like to think of life and investing like a video game. Unfortunately we don’t get to pick our character or stats at the beginning of this game, those will be assigned to us at random. But just like life, you control your character, if you max out all the things you can along the way, while collecting all the items, and if you grind enough, and level up your character, you’ll be able to get through it a lot easier. Let’s start at the beginning.

Age 13: You might be wondering How do I invest $100? Here’s the answer, you should invest wherever you get the greatest return on your money. Right now, whether that’s a hundred dollars, or a thousand dollars, investing it in the stock market will not get you the greatest returns. If you tried to invest even $1,000 today, at best you will make a hundred dollars and at worst, you can lose all of it. The returns are not worth the sacrifice just yet. The greatest returns are going to be in developing your character by boosting your stats. if you don’t have the money, time is another currency in this game of life. You can invest your time or money. Watch as many videos, and pay very close attention to tutorials. This is the age to learn and listen.

Age 14: start to read or you can also watch my YouTube channel, whichever works best for you but the books I recommend are: Simple Path To Wealth by J.L. Collins, I Will Teach You To Be Rich by Ramit Sethi, and the third book is The Intelligent Investor by Benjamin Graham.

Ages 15-17: go on as many side quests as you can. Try swimming, piano lessons, cooking, dancing, drawing, photoshop, photography, and say yes to everything. Through that process, you might find your master skill or “passion”. This is a missable side quest that most people don’t ever get to do, but if you can do this early, you will get a huge financial advantage especially if it’s something society values.

Age 18: we’ve come to the most important level in the game. This is going to set up your play style for the rest of the game and there’s a lot to do here. We need to collect some key items, this is part of the main storyline, so don’t wander off the map. Hopefully by now you’ve collected a bit of money along the way, so it’s logical to do the following.

1. Get a bank account. Ideally you want one with the highest interest rate possible so that while you leave your money here, it’s going to make you money – compound interest style. Avoid account minimums and/or hidden fees.

2. So get yourself a credit card as soon as possible. I recommend starting with a secured credit card like the Discover It Secured, it’s pretty much the “gold standard” of credit cards to start with if you have no prior history. Pro tip: If you’re a student in college, instead of the Discover It Secured, go with the Discover It Cash Back for students, it’s the same principle but with way better perks. Our goal here is to reach a credit score of 750 and above. This takes about 8 months to 1 year. Make sure to pay down your balance in full each month and never carry a balance (35% of your score), utilize no more than 10% of your monthly spend limit (30% of your score), and do this as soon as possible, this is your length of history (15% of your score).

3. Get yourself either a ROTH IRA , or a traditional IRA. Think of these like savings accounts but instead of keeping cash, it’s mostly for your stocks. These accounts protect your money from paying taxes. Do this as early as possible, it’s the most important step.

4. Buy a stock from the stock market or an investment, this one is overwhelming, not only because there are literally thousands of companies to choose from, but because there’s also half a dozen character styles to select from from real estate investor, to dividends, to growth, etc.

5. Build good habits like start tracking your expenses for each dollar you make and spend. Take care of your health to avoid expensive healthcare costs in the future, be frugal and live below your means, and be consistent. That’s the secret to success!

*Links above include affiliate commission or referrals. I’m part of an affiliate network and I receive compensation from partnering websites. The video is accurate as of the posting date but may not be accurate in the future.


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  1. One thing to consider if you plan to go to college and need Financial Aid is that any money you have can be taken into consideration in determining Financial Aid. Just something to be cautious about.

  2. I am level 12, and I enjoy coding and the stock market, I started investing time and money in coding certificates, and I am going through school preety easily. I live in Herzegovina where IT is really in demand. Here we speak Croatian but I have the skill to learn languages and not just human languages, I am good with computer languages too. I am about to earn my first 200$ from just coding. Wish me luck!

  3. After looking for mentorship I finally got in touch with my uncle who told me about 0to90value 0:””n ¡,,”g” master trading strategy.
    I got involved and ever since I started it’s been prosperous,,,

  4. It's strange how people talk about all the profits, they've been making through trading of bitcoin, while am here not making any profit at all. Please can Someone put me through on the right path.

  5. Aight so my mum got some insurance so she gave each of my sisters and me £100 to use in whatever we want to invest in , so ima just use some of these tips noww

  6. My Indian parents are gonna assume it a s gambling if I make a lot of money in a month my father is not really appreciative
    with the idea of me doing a part time job

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