If you’ve ever looked at your bank account and thought, “I’ll never have enough to invest,” this one’s for you. Because you don’t need to start with a lot. Even $25 a month is enough to get going. And if you stick with it, you could grow that into $10,000 faster than you think.

ETFs, or exchange-traded funds, are like bundles of different stocks or bonds.

They let you invest in a bunch of companies at once, instead of betting everything on one.

They’re affordable, low-maintenance, and great for beginners.

That’s why they’ve become a go-to option for people starting their investment journey.

Compound It Like Buffett

Imagine rolling a tiny snowball down a hill. At first, not much happens. But keep it rolling, and suddenly it starts picking up more snow, getting bigger on its own. That’s what compound interest does for your money.

Here’s what that looks like:

• Invest $25 a month, and you’ll hit $10,343 in about 21 years
• $50 a month gets you there in 13 years
• $150 a month, and you’re looking at just 5 years
• With $250 a month, you hit the goal in under 3 years

This is based on a 4.5% return per year, which is a reasonable target with a low-cost world ETF. The earlier you start, the less effort it takes.

Start Now or Stay Dreaming

A lot of people think investing is only for the rich or for when they make “real money.” But most millionaires didn’t start rich. They just started early and stayed consistent.

Even if you’re putting in small amounts, you’re building the habit. That’s the part that actually matters.

You don’t need to know everything. You don’t need to time the market. Just start. Stick to one or two good ETFs and leave them alone. Let time do the rest.

3 Golden Rules For ETFs

Let’s keep it simple. If you want to get to that first $10K (and eventually $100K), stick to these:

• Start now- Even if it’s a small amount
• Pick one solid ETF- A world ETF is a good place to start
• Stick with it- Don’t stop just because the market dips

It’s that simple. You don’t need fancy advice or complex strategies. You just need to show up every month and let your money grow.

And before you know it, $10K won’t feel like a dream. It’ll be your reality.