Stop Asking These Money Questions (Seriously, Stop.)
Look, it is not your fault.
Google has tricked all of us into thinking we are one search away from becoming doctors, therapists, and financial geniuses.
You had a headache once and WebMD told you it was Zika.
Spoiler: it was dehydration, tequila, and Coachella dust.
#RIPYourBrainCells
So yes, we get why you think one YouTube video and a Reddit thread means you have your financial life on lock.
But here is the thing:
We can always tell when a client has no idea what they do not know.
And honestly, that is normal. You were never taught this stuff.
As a Millennial, especially a high earning one, you want to ask smart questions.
We want to help you ask better ones. Because:
👉 Personal finance is complex
👉 Bad questions lead to irrelevant answers
👉 Irrelevant answers lead to financial chaos
Most financial professionals will answer whatever you ask without telling you that the question itself might be the problem.
They will hand you the fish but will not tell you the pond is toxic.
We want you to understand the game, not just the rules.
So here they are:
5 Money Questions to Stop Asking Immediately
And the number one statement you should never say again.
1. “How should I start investing?”
Classic question.
Every advisor will happily give you a checklist.
But nobody stops to ask the real question:
“Are you even ready to invest?”
If you do not have
clarity on your financial goals
your short-term spending under control
then investing is just putting glitter on a dumpster fire.
Better question:
“How do I know if I am ready to start investing?”
2. “Can you give me some low risk investment ideas?”
This usually means you are confusing investing with gambling.
(If you want to double your money overnight, Vegas is right there.)
Risk is not bad.
Risk is required.
Smarter question:
“How much risk do I need to take to reach my financial goals?”
If that amount of risk scares you, the financial goal might be the real problem.
3. “Can I access my retirement savings before retirement?”
Technically yes.
Should you?
Absolutely not.
If your retirement account is your first stop when you need cash, your financial foundation is held together by vibes.
Retirement is your last line of defense.
Your emergency fund is your first.
If your emergency fund were strong, you would never need to ask this question.
4. “Isn’t investing risky?”
Not inherently.
What is risky is
day trading
buying what TikTok told you to buy
YOLO investing
pretending CNBC is a crystal ball
Proper investing is slow.
It is boring.
It works.
Investing is not supposed to turn your twenty thousand dollar wedding fund into forty thousand dollars in twelve months.
That is called gambling. If you want a quick win, head to Vegas and wear something sparkly.
5. “How much should I contribute to my 401(k)?”
Good question but only half of one.
The real question is:
“How much should I save for retirement given my age, income, and the lifestyle I want later?”
Everyone has a different retirement number because everyone has a different dream life.
Some want a cabin in Colorado.
Some want a Miami penthouse with unnecessary mood lighting.
Some want to live in Italy eating carbs for sport.
Your savings should match your reality, not a headline you read.
The Number One Statement You Should Never Say Again
“I want to start investing with a little money and see how it does.”
No.
Immediate no.
Investing is not a trial subscription.
It is not a vibe.
It is not a test drive.
Anything fast is gambling.
Anything real is slow and boring.
And “seeing how it does” teaches you nothing.
Investing works over years, not weeks.
Before you invest a dollar, you must answer:
“What am I investing for?”
A home.
A family.
Lifestyle upgrades.
Retiring early so you never have to attend another Zoom meeting.
Starting a business.
Getting a bigger dog. We support all life choices.
Investing is a tool.
Your goals are the blueprint.
Without goals, you are just throwing darts in the dark and calling it strategy.
The Bottom Line
Google is great for recipes and diagnosing fake diseases.
It is terrible for teaching you how to build wealth.
If you want real answers, start asking better questions.
And if you are tired of feeling like one wrong move will turn your financial life into a meme, you know where to find us.
