Subject: 👓 Most investing advice sucks.
From: Caleb Hammer <[email-masked]>
To: [email-masked]
Date: Wed, 08 Apr 2026 22:31:44 +0000 (UTC)

**********
THE HAMMER
**********

Breaking Down Money, Building Up Wealth.

Most financial advice wasn’t written for you.

It was written for people who already have money, already know
the terminology, and already have someone in their corner
explaining the game.

The rest of us just got the myths.

And a few of them are so common, so widely repeated, that most
people never stop to question whether they’re actually true.

Here are three that are keeping real people stuck.

Myth #1: You need a lot of money to start

​
This one does the most damage.

Because it sounds responsible.

It sounds like you’re being careful.

“I’ll start investing once I’ve saved up enough to make it worth
it.”

But here’s what that logic actually costs you: time.

Time is the only thing in investing that you genuinely can’t buy
back.

A few hundred dollars invested in your 30s does something that a
few thousand dollars in your 50s can’t.

That’s not a motivational poster, that’s just how compound growth
works.

You don’t need a lot of money to start.

You just need to START.

Myth #2: You need to understand the market before you invest in
it

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Professional fund managers with entire research teams behind them
fail to beat the market all the time.

The idea that you need to understand the market well enough to
make smart individual picks before you get started?

That’s not caution. That’s a trap.

Index funds exist specifically so that you don’t have to
understand the market.

You just have to be in it.

Consistently, over time, through the boring stretches and the
scary ones.

Waiting until you “get it” is just waiting.

And the market doesn’t pause for you.

Myth #3: Investing is risky, so it’s safer to just save

​
This one feels the most protective, and it’s the most dangerous.

Yes, investing carries risk.

But keeping all your money in a savings account while inflation
runs at 3-4% a year?

That’s also a choice. And it’s one with a very predictable
outcome.

The question was never “invest or don’t invest.”

The question is what kind of risk you’re actually comfortable
carrying, and whether the risk you’re avoiding is actually the
riskier move.

Safety is relative.

Standing still has a cost too.

The common thread

it's all connected
All three of these myths do the same thing: they make waiting
feel smart.

And the longer you wait, the more ground you give up.

If you’re not sure where your actual money mindset stands, the
financial health quiz will tell you.

Three minutes, and it tends to surface stuff people don’t expect.

​[Take the quiz here] (
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)​

Taquitos,

Caleb "Myth Buster" Hammer

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