High Earner, Late Investor: Why I Finally Bought My First ETF 🔐
Disclaimer: this article was originally written in September 2025.
A few events triggered me recently to shake my beliefs in regards to savings and investments...
I had achieved what was the hardest part: I had become a high earner in my late 20s through my work. I thought that was it, that's how you get wealthy.
But it is absolutely not.
I needed my money to work as hard as I did. That was not happening. My money was sleeping in the bank in a low yield and safe savings account for the past 15 years.
Jess
One of my younger siblings has been very financially-savvy since his early 20s. He has been an investor in crypto and ETF for the past decade and I was always an observer of his boldness. Unbeknownst to him, he inspired me to upgrade from being a silent follower to a loud doer.
I started following content creators who talked about money. My two favourite are Patricia Bright with her platform The Break - which just did an amazing comeback - and Mia McGrath's Frugal Chic Tiktok and Substack. I love that both are young and bold women. I see myself in them for different reasons although I do not have their type of money. Yet. But I was only different to them for one reason: because they had started earlier.
Most people start in their 20s but I did not. As I am about to turn 40 in a few months, I knew it was time to truly grow my wealth. I wanted my money to work as hard as I do and putting it under the mattress was not it.
That’s when I decided to walk the walk and start to invest like the intelligent woman I know I am. Here is what I did and how much I invested:
