Are you a Saver or a Spender?

"Today people who hold cash equivalents feel comfortable. They shouldn't. They have opted for a terrible long-term asset, one that pays virtually nothing and is certain to depreciate in value." ~ Warren Buffett

Harsh words, right?

As a finance coach, I see this play out in emotional ways every day.

Most people fall into one of two camps:

The Cash Hoarder: You save diligently, watching that bank balance grow. It feels safe. But fear stops you from investing because "what if I lose it all?"

The Emotional Spender: You buy things when stressed or bored. Momentary thrill, followed by guilt. Rinse, repeat.

Plot twist: Many of us are both.

Let’s unpack this a little.

If you’re holding on to cash because it feels safe…

You’re not alone. But here’s the thing:

That cash sitting in your savings account? It's losing value every single day thanks to inflation.

True security doesn't come from hoarding money. It comes from money that works FOR you.

One of my Start To Invest students had a lightbulb moment:

"When I started seeing the stock market like a giant shopping mall, it suddenly became more fun and less intimidating."

I loved that!

What if we flipped the script?

Instead of:
- Saving out of fear
- Spending with guilt

What about:
- Spending joyfully on things you love
- Also "spending" on assets that pay you back

Personally, I do buy something nice when I hit a milestone - a piece of jewellery, or even just a nice outfit. Every time I wear it, I remember what I achieved. That’s how spending can become empowering.

But I also "buy" dividend-paying stocks. They send me money regularly. That's even better.

The sweet spot? Doing both.

This is exactly what I teach in my Start to Invest program.

Doors opening soon!