Vivian Tu

And people will make comments when I make content about Roth IRAs or 401ks.

And they're like, well, I don't know what you're doing, but my money hasn't grown.

I'm like, did you invest it?

And they were like, yeah, I put it in the Roth IRA.

And I'm like, no, no, no, no, no.

Did you go and buy index funds?

Did you go and buy a mutual fund?

Did you put your money into a target date retirement fund?

With that money.

The metaphor I talk about in my book is going to the grocery store.

So you go to the grocery store, which is the brokerage, and you have your cash in your purse and you walk in.

Imagine just taking a lap around the grocery store and then going home and being like, why is there no food in my fridge?

That's what people do.

You actually have to go and buy your fruits and your veggies and a couple snacks for yourself.

You have to buy those things if you want them.

No.

It's one of the biggest mistakes I see over and over again.

So invest your money with the I. And P stands for, my favorite part, you got to plan.

You do not get to have your happily ever after.

You don't get to ride off into the sunset if you don't have a plan.