You do not need thousands of dollars to start investing. With just $50-100, you can begin building wealth today using these strategies.

• Use fractional shares — Apps like Robinhood, Fidelity, and Schwab let you buy fractions of expensive stocks like Amazon or Nvidia for as little as $1.
• Start with a Roth IRA — Contribute whatever you can. Even $50/month invested in a low-cost S&P 500 index fund (like VOO or IVV) grows significantly over 30 years.
• Try micro-investing apps — Acorns rounds up your purchases to the nearest dollar and invests the spare change. Round-ups from daily coffee add up to hundreds saved per year.
• Consider high-yield savings first — Before investing, park $100 in a HYSA earning 4-5% APY as your emergency fund. Ally and Marcus are solid options.
• Learn with a paper trading account — Platforms like TradingView or TD Ameritrade offer simulated trading to practice without risking real money.

Remember: consistency beats timing. A $100 monthly investment at 8% annual return becomes over $150,000 in 30 years.