How to invest your money – 8 Ideas from Personal Finance Bloggers

Wall St. Nerd


Updated on

August 19, 2022


In this day and age, you can get a lot of information and tips for investing directly from the internet. Well, unfortunately, due to the surplus of information, you can't tell exactly which ones are useful and which ones are not. That's exactly why 8 International Personal Finance Bloggers have come together to tell you about their experiences.


How to invest your money – 8 Ideas from Personal Finance Bloggers

In this article, you will learn how these 8 personal finance bloggers invest their money and why.

Wealthy Nest

A Thought Piece on Extinction Debt, Investing, and the Financial Markets: Ecology and Finances

When Your Investments Meet, "Extinction Debt" brings together and compares the ecological concept of Extinction Debt to the current state of the financial markets, specifically the stock market. 

How Our Biology Could Relate to Your Financial Investments

This thought piece highlights stock cycles and other economic indicators such as timing of the market (and the current fast pace of the market), the fairness (or unfairness) of ever-more-popular multiple IPO share classes, as well as debt and its good and bad consequences – all topics that individual investors would want to be aware of when invested in the current stock market.

Some of the topics covered include:

The Human Extinction Debt – a definition of the ecological concept of near extinction and how advanced scientific ideas can relate and help you understand and ultimately manage your finances and debt. Extinction debt refers to the delay of one or more species in a habitat to become extinct

The Life Cycle of Stocks – the cyclical nature of stock prices (including the Wyckoff Stock Cycle) and the technical analysis behind the fluctuations from expansion through contraction of prices, and how large institutions influence the market and stock prices.

Degradation and Diversity in the Market – how multiple share classes are unfair to the small investor and influence the market unfairly and suppress diversity. How index funds can be negatively affected by these dual share classes post-IPO.

Is Debt Good? – a brief discussion of how debt will prevail and always has, and how extinction debt might be beneficial for our species.

This post is meant to spark open discussion for everyone.

A list of six major scientific and financial analysis references and their links for readers is listed at the end of the post.

Accidentally Retired

We all know the acronym KISS or Keep It Simple, Stupid.

Many times over the years in business and now in investing, I have come back to this.

Too often you can get lost in the weeds at work, in life, and definitely in investing.

My wife loves true-crime podcasts, and she listens to them nearly religiously. Her mantra is that the simple answer, as to who committed the crime, is usually the correct answer.

And this goes for business and investing as well:

Simplicity wins the daytime and time again.

The reason why simplicity wins, is because as much as we like to overcomplicate things and drum up conspiracy theories, life is not as complicated or conspiratory as we think.

There are edge cases. Yet we give them credit like they are the 99.9%, and not the .01%.

When it comes to investing, it is no different.

Don't let the edge cases fool you.

Don't chase the 0.01% outcome, when you can easily go for the 99.9% outcome. 

Here is how I turned around my investments by investing as simply and inexpensively as possible…

Holistic Personal Finance

Have you ever had someone talk your ear off about starting to invest? That person was probably me. Sorry, not sorry. In any case, we hear the phrase ‘you need to start investing’ a lot. The problem is, we are rarely given the context of WHY.

Spoiler alert - the reasons are more simple than you think. They have to do with the buzzword of 2022- Inflation and its arch nemesis Compound Interest

Keep reading to discover the breakdown of each of these concepts, the maths behind it and at the end become fully convinced that investing is your next best money move. As a bonus, at the end you’ll discover why income made from your investments is the best kind of money you can make- and what it might mean for your future tax bill

Looking on social media, you could be forgiven for thinking that the only sensible way to invest is through an index fund. And on the face of it, many index funds do perform better than actively managed funds. Just take a look at the S&P 500 and the index funds linked to this market, which has demonstrated an average annual growth of around 10% over the last ten years. Maybe investing in an S&P 500 index fund does make sense?

However, diversification should be a key consideration for any investor, as this can smooth out volatility and reduce the risk associated with a concentrated portfolio. Whilst past performance can give us a hint as to what might happen in the future, we never really know how the markets are going to perform over the next ten years. Holding investments across different geographies and different asset types could help you sleep better at night.

Every investor should also be clear on their objectives when investing. For example, are you investing for growth or are you investing for income. This should guide you on the type of investments that you will make. For some investors, an index fund simply may not suit their personal needs. After all, personal finance is just that, personal!

Other asset types such as cryptocurrency and property could also be a part of your investment strategy. These could help you diversify your investments, as they have very different risk profiles to traditional stock market investing. Some can also provide a very decent monthly income along the way. There are a growing number of companies that can facilitate this type of investment, making it much easier for investors like us to access.

Filled with Money

How you invest your money is investing in proven asset classes such as real estate and stocks that have historically returned 7 – 10% per year, on average. Some years may be negative, and some years may be positive. 

However, holding for the long term will yield good results that people can be happy with.  With stocks, a good bet has been the S&P 500 that encompasses a wide range of industries spread out geographically across the world.

These days, it’s become easier to invest with a plethora of free information and numerous brokerages offering commission free trading. Investors have never been in a better position to invest.

Additionally, it’s more important than ever now to invest your money. The Fed says that inflation is running at 8%, but many people saw their expenses rise by much higher than that. It’s expenses in necessary things as well, such as food, water, gas, and electricity. 

The Fed has a history of manipulating the definition of inflation so that it looks artificially low or high, depending on what the Fed needs the numbers to say. This is how they control the market sentiment. 

Savings accounts pay little to no interest. Your money is getting eroded by 8%+ per year. If there’s been a year to start investing, it’s this year. No one is going to save you, you will have to stand on your own two feet. 

The government is not going to bail you out. Investing is a way for you to reach financial independence and financial freedom so that no one can control your time. Take charge of your future and be independent of someone else’s control.

Start investing today and plant the seed that your future self can endlessly thank you for. 

Hadaway Finance

The first time I bought (bought, not invested) stocks, I was 16, and I fell for a scam and lost all of my money. When I started investing again, I constantly had to sell my all my holdings because I did not have an emergency fund and every flat tire, reduced hours at work, or unexpected put me back at square one. As Dave Ramsey would say, I was earning my degree in “D.U.M.B.” These failures and trial and error process have shaped my investment strategy today.

For anyone who has followed me for some time, you most likely know me as an index fund investor. I firmly believe that index funds are the best investments for most investors and I do practice what I preach with roughly 80% of my portfolio being in index funds. Unlike some previous strategies that I have tried, indexing is a strategy that has consistently worked for me, and I plan to stick with it long term. In my experience, the diversification, low fees, passive management, and solid returns that index funds provide can not be beat by any other equity or debt investment.

The last 20% of my investments are split between individual stocks that I have a high conviction in and what can be referred to as “moon shots”. The individual stocks that I choose to invest in are all companies that I have researched, have strong financials, and an attractive dividend. The “moonshots” are start-up stocks, IPOs, and crypto projects that I believe are worth the risk.

In short, my investing strategy can be best described as well-diversified across domestic and international equities, multiple asset classes, and lower risk. In this article, I discuss why I am so confident in index funds, why I limit the higher risk investments in my portfolio, and how I choose, track, and create regular income from my investments.

Olaf, the Mile High Finance Guy

Years ago, I started investing for some arbitrary goal known as retirement, a vague notion that someday I would be 65 and ready to hang up my metaphorical "working" hat. However, life is full of surprises, and for myself, that included an unexpected FIRE journey and later disillusionment - wild, I know. 

Still, the one thing that has stayed constant through my continual metamorphosis has been investing.

You see, I love spontaneity and the ability to put my priorities first. But, with a traditional job, both of these desires can often fall to the wayside. Therefore, a solution is necessary, and for me, that solution entailed investing.

Nowadays, I live a financially independent lifestyle where I work two part-time jobs - one of which is as an investment advisor. 

I preach about the wonders of investing daily - have you heard of compound interest!? Moreover, I believe that investing is an essential task that everyone must partake in, young or old. 

So, without further ado, let's dive into my story about how and why I invest. I hope it will inspire you to invest in yourself!

Alexander Kelm - Wall St. Nerd


A wise man once said that investing in shares is simple, but not easy. That man was Charlie Munger, Warren Buffett's partner.

When I first started investing in stocks, I had absolutely no idea how to make stock picks that would make me money. Not necessarily helpful were the stupid sayings of the naysayers, which can be summed up like this: Shares are risky and only insiders make money on the stock market.

Unfortunately, I thought the same thing at the beginning and lost a lot of money, until the penny dropped for me:

"Stop investing in stocks without a plan."

What I was missing was a structured approach and a suitable investment strategy: instead of running after every trend with the hope of achieving success quickly, I started to design a roadmap to stop losing money on the stock markets.

"Rule No.1: Don't lose money. Rule No.2: Never forget Rule No.1."

I consistently followed my new simple plan and the positive results followed shortly after I recouped my initial losses and built a solid stock portfolio.

The logical next step was to be loyal to my newfound investment philosophy and not to deviate from it again. This learning process taught me an insane amount about investing in stocks, but investing without a plan was no longer the answer.

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Hi, I'm Alexander Kelm.

Serial entrepreneur, value investor and angel investor. Founder of Wall St. Nerd. Join me here on to learn how to read financial statements, find healthy companies, and invest your money wisely.

Let's chat on Twitter about investing.

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