📂 Stages 1–4: Beginner’s Mindset – Security Feeling Not Yet Established
At this stage, investing still feels intimidating or too risky. You may have heard various stories about stock market crashes, fraudulent schemes, or simply don’t know where to start. Most of your focus is still on survival rather than growing wealth. Your financial security is not yet fully established, and saving takes priority.
However, this is the right time to start educating yourself — to understand the difference between saving and investing, between risk and risk management.
At this level, the most valuable investment is in yourself — knowledge, financial books, seminars, finding a trustworthy mentor.
Even a small symbolic investment — for example, €10 on an investment platform — can be a big step toward expanding your mindset.
The key is to break the internal barrier of “this is not for me” and start seeing your money as potential, not just a means of survival.