Nico Jones

this may be newer to you, but many moons ago, I was in different forms of debt and credit card debt, and I would dabble in a bit of investing, but really my best return was probably actually getting myself out of credit card debt and getting back to zero and just getting on with it.

And I think if you're where I was many moons ago,

that is often stage one of just hiding yourself back up.

So when you hear people like me now further down their path or go on social media and see people investing in different things via shares or how their KiwiSaver is performing or anything that you then compare yourself to, just remember you don't really understand or know the full context of where they've been, their journey and in what chapter they are riding.

So

If you've got things in front of you to tidy up, tidy them up.

And don't skip the chapters.

I wanted to be investing into Xero many, many years ago.

But I couldn't.

It realistically wasn't the season for me to be investing into Xero.

I needed to tidy up my finances.

But you could easily look back now and be like, well, you should have just invested in Xero and who cares about your credit card and stuff?

Look how much it's worth now.

Sometimes the emotional weight of that debt and of not doing the tidy up

is having a bigger of a compounding return to you mentally, physically, emotionally and sexually than actually the cool thing that you want to invest into on the other side.

So don't overexpose yourself when you're not really in a season to do that.

And why I say that too is because

When you're investing into the likes of a startup, it's one of the riskier types of investments you can make because you don't actually know if they're going to survive.

So this is right at the end of the spectrum.

And after I've spoken about this a little bit on social, people are reaching out like, oh, hey, bro, do you reckon I could invest?