☕️ Sunday Coffee: It Will Never Be the Right Time
When "I'll do it later" = Never
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My personal life & business column, where I share life moments, insights on stock investing, long-term investment philosophy, and thought-provoking ideas to inspire and benefit you.
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Intro
"I’ll take care of more important things first, and then I’ll start planning my savings and investments."
***
That’s what I told myself 15 years ago. And this went on for about six years. Every year, when making plans for the year ahead. And for those six years, the “right time” never came. There were always new reasons to push investing to the bottom of the priority list.
A hamster on a wheel, a squirrel on a wheel—it doesn’t matter what you call it, the essence remains the same. At some point, I realized there are only two states of being:
Waiting—hoping for some magical moment when the world will change, and the future will suddenly become bright and secure (spoiler: it won’t).
Taking action—simply doing what needs to be done and making it a habit. Instead of leaving it at the end of the line, you move it to the front.
That’s it. That simple. And that hard.
Even after realizing this, I still kept following the same old path. Nothing changed. Until one day, I came across a powerful phrase: It will never be the right time. Bingo.
It hit me—there will never be a perfect moment. Life is always changing. If I keep waiting for the “right time” to start saving and investing, that time will never come.
And what will I tell myself in 30 years?
“Hey, man, sorry, but there just wasn’t enough time. That’s why today, on a Saturday, you have to wake up early to get to your second job. Yeah, you’re working weekends just to make ends meet. And oh, by the way, you’re 60 now. My bad. But hey, you figure it out. You don’t have many options left.”
Boom. Terrible plan.
So, I came up with another one—or rather, I borrowed it from more experienced investors. And for the last 15 years, it has worked like magic:
I started always setting aside 15-20-30% of every dollar I earned. Every single dollar.
No matter how much I made, I paid myself first—before anything else. And as the saying goes, let the rest of the world wait.
Once a month, I transferred that money to my brokerage account and bought stocks. My first investments were tiny—$20, $30, maybe $50. Sometimes, I didn’t buy anything because I didn’t have enough for a share. But one thing changed forever: my capital started growing. Always.
And you know what?
My life didn’t get worse. I didn’t take on more debt. Nothing collapsed. The only difference? I started building wealth.
Today, I don’t even think about it anymore. It has become second nature. Without even realizing it, I automatically invest a portion of every income stream.
Paying myself first—because it will never be the right time—was one of the best decisions I’ve ever made.
I made my choice. Now, what’s yours?
With MaxDividends Community you’ll always be part of a winning team and stop viewing the future as an uncertainty. Worry will fade, replaced by confidence and peace of mind. You’ll focus on doing what you love while your passive income continues to grow.
With respect for your well-being, Max
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🔹 Sunday Coffee ☕️
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FAQ
Someone's sitting in the shade today because someone planted a tree a long time ago. ― Warren Buffett.
Great article!
What’s the minimum investment required to achieve the goal of $12000 monthly for 120 months?
Also, can you share returns or performance from past year(feel free to hide the details)?