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My Best and Worst Financial Investment So Far

We’ve all spent money or invested our time into something that didn’t end up being worth it in the end. An investment doesn’t always have to mean a financial one—it could be a relationship, a career decision, or even how you choose to spend your time. Our lives are driven by choices, with every ticking second offering an opportunity to decide. And while some choices bring triumph, others teach lessons we’ll carry with us forever.

Because we make so many decisions, I wanted to share a personal reflection on my best and worst financial investments. These honest examples highlight moments where I wish I had acted differently with my money, as well as times where my decisions delivered incredible returns and life-changing results. My journey is proof that every financial investment has the power to shape not just your wallet but your mindset and future success.

My Worst Financial Investment

My worst financial investment hasn’t been anything overly dramatic. I’ve never lost huge sums at a casino or made a risky stock market trade that left me penniless. In fact, I’ve been fortunate enough to avoid massive financial disasters. But if there’s one thing I could go back and change about my financial journey, it would be starting my investments much earlier.

Growing up, the idea of financial planning wasn’t on my radar. My environment simply wasn’t set up for those kinds of conversations to take place. I lived in a household where the importance of saving and being frugal wasn’t actively taught. Sure, it was expected that we’d be mindful of money, but it wasn’t something that was modeled consistently. Seeing my parents struggle to manage finances, I unknowingly followed the same patterns—overspending and living for the moment without much thought about the future.

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I started investing at 23 years old, which, to be fair, is still relatively early compared to many people. However, looking back, I wish I had started as soon as I got my first job at Tim Hortons at age 16. Instead, all that money went straight to the mall—to Sephora, fast food, and other fleeting expenses. If only someone had sat me down to explain the power of compounding interest or how early financial investments could lead to a lifetime of wealth, things might have been different.

Still, I’m grateful for the lessons learned along the way. The process of self-educating, reading financial planning books, and immersing myself in financial wellness circles has been transformative. What I’ve learned, I now get to pass down to my children. I’ve committed to breaking the generational cycle of financial illiteracy, ensuring that my kids—and my community—have the tools they need to succeed from day one.

If there’s one takeaway from my worst financial investment, it’s that it’s never too early to start. Even small amounts invested over time can yield big results. So if you’re reading this and haven’t started yet, now is the perfect time to begin.

My Best Financial Investment

On the flip side, my best financial investment came in the form of something less traditional but deeply impactful—investing in myself through a business coach. Last year, I decided to bet on myself and my dreams of starting a financial coaching business. For years, I had known that I wanted to start a business, but I struggled to find clarity on what that would look like. One thing was clear: I couldn’t do something just to make money. It had to be meaningful, something that could help others and make the world a better place.

When the vision of coaching other women on financial planning and investments came to me, I didn’t hesitate. Even though it was scary and came with risks, I knew this was the path I was meant to take. That’s when I decided to work with a business coach to fast-track my success.

Overcoming Fear and Doubt

Investing in a coach wasn’t easy. The program cost $3,000 USD, and as much as I wanted to believe in myself, I was terrified of the financial commitment. My mind raced with all the potential downsides: What if it didn’t work? What if I couldn’t make my money back? What if I wasn’t cut out for this?

But then I reminded myself of something important: every successful person I admire once stood where I stood. They faced the same fears but chose to take action anyway. I thought about the testimonials from people who had worked with this coach, the transformations they experienced, and the life they’re now living. Slowly, my fear gave way to hope, and I took the leap.

Reaping the Rewards

From the very start, the decision paid off. Before I even finished working with my coach, I had secured three beta clients and made back my initial investment. By the end of the program, I was earning $30,000 USD in just three months. My business not only became sustainable, but it also exceeded my expectations. If I continue on this trajectory, I’m set to earn six figures annually—all because I decided to invest in myself.

One of the most empowering aspects of this journey was seeing my coach, who was 21 years old, thriving and making six figures. As someone who had doubted my ability to coach others at a young age, her success erased my limiting beliefs and inspired me to push forward with confidence.

Bridging the Gap with Financial Planning

Both my best and worst financial investments share a common thread: the importance of financial planning. Whether it’s avoiding missed opportunities or embracing bold decisions, financial planning is what empowers us to make smarter, more informed choices. Here are a few key lessons I’ve learned that might help you along your journey:

  1. Start Early: Even small investments made in your teens or twenties can grow into significant wealth over time. Compounding interest is your best friend.

  2. Invest in Yourself: Whether it’s a course, a mentor, or a coach, the best financial investments are often those that help you grow and achieve your goals faster.

  3. Don’t Fear Risks: Calculated risks are necessary for growth. It’s okay to feel scared, but don’t let fear hold you back from opportunities that align with your vision.

  4. Seek Guidance: Surround yourself with people who have the knowledge and experience to guide you. This could be financial advisors, business coaches, or a supportive community.

  5. Think Long-Term: Focus on the bigger picture rather than instant gratification. The choices you make today will shape your future.

Every investment—good or bad—comes with a lesson. My worst investment taught me the importance of starting early and breaking generational cycles, while my best investment reinforced the power of believing in myself and taking bold action. Financial planning and smart financial investments have been key to my growth, and they can do the same for you.

So, take that first step. Start saving, start investing, and most importantly, start believing that your dreams are worth every penny. Whether you’re planning for retirement or launching a new business, the right investment can change your life.

Comment below and let me know your thoughts! If you're ready to take your financial wellness journey to the next level, then look below for additional coaching services and resources that can help you build lasting wealth and abundance.


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