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Lesson 2.1 | Start small, start now

Lessons

11 December 2025

3 min read

The hardest part of investing isn’t choosing the perfect amount — it’s simply beginning. Your first few dollars matter far more than you think.

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Written by

Ana Kresina

Big idea: The hardest part of investing isn’t choosing the perfect amount — it’s simply beginning. Your first few dollars matter far more than you think.

A lot of people delay investing because they feel they 'don’t have enough.'

But the truth? Most investors start small.

Whether you begin with $5, $50, or $500, the key is building a rhythm. Investing is like learning any new skill — the first reps are the most important.

Why starting small works

Starting small is the best way to start investing because:

  • It removes pressure
  • You learn while your money is invested
  • You build confidence
  • You create momentum
  • Increasing later becomes easier

Even the most experienced investors didn’t start big. They started with one contribution — and then another.

A practical example

Let’s say you invest $50/month .
After a year, that’s $600.
After five years, it’s $3,000 — before any compounding.

From small amounts, big things grow. Plus, that’s $3,000 you previously didn’t have saved.

In ten years, with an average expected return of 7%, that may grow to be $8,290!

Then imagine raising it by a few more dollars each year as your income grows. Before you know it, you’ve built a habit that quietly shapes your financial future.

Why should I care?

Because waiting until you 'have more' often means waiting forever. And as we know, time is one of the most important things when it comes to compounding.

Starting small is what breaks the cycle of waiting. Instead, you are taking a small step, and actually doing .

Try this today

Choose a tiny amount — even $10 — and imagine investing it monthly. How would that feel?

Author Profile Picture

Written by

Ana Kresina

Ana Kresina is the Head of Digital Advice at Pearler. She is also the co-host of the Get Rich Slow Club, one of Australia's leading podcasts on long-term investing, budgeting, and savings hacks. Beyond Pearler and the Get Rich Slow Club, Ana has written two books on finance and investing. The first, "Kids Ain't Cheap", explores how to plan financially for parenthood and your family's future. She co-wrote her second book, "How to Not Work Forever", with her Get Rich Slow Club co-host Natasha Etschmann (of @tashinvests fame). Outside of Pearler, writing, and podcasting, Ana lives with her partner and two children in Melbourne. Before moving to Australia, Ana was a competitive roller derby athlete in her birth country of Canada.

Remember, that this is general in nature and doesn't constitute personal advice. Reach out to a financial professional when considering making financial decisions. All figures and data in this article were accurate at the time it was published. That said, financial markets, economic conditions and government policies can change quickly, so it's a good idea to double-check the latest info before making any decisions.

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