Shop Valerio, Brute Impact, and Urban Ice are scams, just like the many accounts like them. They prey on people by selli

I don’t regret any of these attempts. But looking back, I do regret not doing three basic things while I pursued these ideas: investing in index funds, developing my writing skills, and building an audience. Don’t get me wrong — I’m not in a bad place financially, but I’d also be much wealthier right now if I’d acted on that list.

To be honest, if it wasn’t for my parents urging me to put money in index funds, I may never have learned what they were. The truth is I’ve been financially illiterate for most of my life, either because I’m right-brained and naturally apathetic towards numbers or because I grew up in a middle-class home and never felt the threat of poverty.

The concept behind this is straightforward. Individual stocks can go to zero, but over time, the stock market as a whole always goes up. Rather than tracking individual stocks, index funds go up and down according to the entire stock market. So some years it may go down, and some years it may go up, but in the long term, it always goes up. That makes them a safe and potentially very lucrative investment.

Shop Valerio, Brute Impact, and Urban Ice are scams, just like the many accounts like them. They prey on people by selling them a fake dream of having made it. They’re trying to fool people. You shouldn’t feel bad if it happens to you, but if you can, avoid it.

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low for a long time. The reason my results were poor was because I hadn’t mastered the skill of writing. If I could actually write in the beginning, then my growth trajectory would have been faster. Unfortunately, I didn’t pay attention in English class. I dicked around and threw paper planes at the teacher. She’s the one laughing now.

Honestly, the first time it happened, I really felt like I’d done it. I felt like I posted great content, and that a brand just happened across my feed, loved my work, and genuinely thought I’d be a great fit. It was so embarrassing to realize how much I’d been fooled. Thank goodness I didn’t buy anything.

The brands that commented on my post specifically target small accounts, with only a few hundred or thousand followers. This could be because bigger accounts would likely know the collab offers were nonsense. They assume the smaller accounts will have less experience.

It goes without saying that practice and experience play a big part and you should try to expose yourself to as many things as possible. Becoming a Pro is a journey and not a destination so take your time to digest things.

I’ve spent the majority of my 20’s chasing entrepreneurial dreams, most of which have failed. I’ve invented a tool for bunk beds that only sort of works, hit two million followers on an Instagram account I’ve yet to monetize, and burned out trying to bring a cartoon character called Sunny the Golden Retriever to life.

Generally, dwelling on regrets causes depression. Ancient wisdom says happiness is found in the present. But I also believe there’s value in being honest about the things I wish I did — ultimately not for me, but for you. Because understanding my regrets just might help you avoid my mistakes.

A few months ago, I peeked at a retirement account I hadn’t thought about in years. What I saw shocked me. The $26,500 I’d contributed throughout the last eight years had turned into $60,000. That’s a $33,500 gain, all for clicking “Confirm Trade” a few times on a brokerage website.

In contrast, you’re getting poorer every second you let your money sit in the bank. The average annual inflation rate since 1913 is roughly 3%, but the average interest rate for checking accounts is just 0.06%.

It goes without saying that practice and experience play a big part and you should try to expose yourself to as many things as possible. Becoming a Pro is a journey and not a destination so take your time to digest things.

The accounts only seem to comment on photos of people (typically women). When I photographed my dog, or when I didn’t include location, or when I included someone else in the pic, I didn’t get comments.

I’ve taken drastic steps this year to improve my financial education. Recently, I moved a significant portion of my savings into $VTI, an index fund that tracks the total market. I only wish I’d done this earlier. If I had, the $60,000 in my retirement account might be worth $100,000 by now. So put your money in index funds as early and often as possible.