Monita

But I never ever, all my money went to a debit card and I only had access to that till I was 18.

Wow.

Actually having a debit card.

So I feel like I always just never really spent my money and only use the cash that I had for my pocket money or birthday or Christmas because I just knew that, you know, there was no point of spending it on a brand new iPhone.

Like I was happy with my iPhone that I had like

for five years, for example.

So I think that's where it kind of started from being a child to going to university.

I'm studying a bachelor's degree of finance and marketing in my final year, as mentioned in my money diaries.

That's so exciting.

So I feel like even from university, it kind of clicked that

you know, I wanted to start investing for myself and especially because my parents started young.

I think both my parents were around like early 20s when they both bought their first individual investment properties.

I knew myself I wanted to start now.

So, I think ETFs kept coming off my feed and everything and I was curious and then I made my first purchase of three ETFs when I was 19 years old.

So that is nearly two years.

I think my first purchase was in May.

So I think that just kind of started my journey with it all.

So I feel like it kind of came down to how they were brought up.

I think that's the best way to explain it because I know my mom's dad, so my grandfather, he came with $20 to his name.

Okay.