“Investing? Me? Nah, I’ll do that when I’ve got real money.”
That’s what my barber said while lining up the back of someone’s hair. Everyone in the shop nodded. A couple chuckled.
But I didn’t laugh. Not because he was wrong, but because I knew where that thought came from.
That quiet assumption we all carry sometimes — is investing just for rich people?
Where This Belief Comes From
For years, people have been told that investing is something “other people” do. Usually older, richer, smarter, suit-wearing people with slick hair and multi-syllable job titles.
And for most of us growing up, investing just wasn’t part of the dinner table conversation.
What was normal?
“Make sure you pay your bills.”
“Try to save a little if you can.”
“Stay out of debt.”
Good advice — but it stops short of building wealth.
It keeps your head above water but doesn’t help you swim forward. And for a lot of people, the idea of money working for you still feels like a fairytale — something for people who already “have enough.”
So, Is Investing Just for Rich People?
No. But that’s what they’ve made it look like.
The truth? You can start investing with £10. You can start with minimal knowledge. You can start today.
But the key is to stop thinking of investing like a big, risky bet — and start seeing it like planting a seed.
🌱 The Seed-Planting Approach (Uncle A’s Favourite)
I told my barber this:
“Have you ever planted something in your mum’s garden? You water it a little, forget about it, come back a few weeks later — and it’s grown? That’s investing. Except the pot is your account, and the seed is your money. You just need to drop it in the right soil.”
He paused mid-trim.
So I broke it down like this:
How Anyone Can Start Investing Today (For Real)
Pick a platform that allows small deposits. Some let you start with £1. 🟢 (We’ve reviewed our top picks — skip the guesswork here)
Choose a beginner-friendly option — like ETFs or “robo-advisor” funds No need to pick individual stocks (unless you want to, then you should seek some education here).
Set a small recurring amount. Even £10/month is a start. It’s not about the size — it’s about the habit.
• Turns saving into building • Helps money work for you, instead of the other way around • Gives you long-term power — even if your current income feels tight
“I get it now,” my barber said, “I just always thought I needed a few thousand to start.”
Nah. What you need is a shift in mindset. Not more money — just more meaning behind it.
Tiny Action You Can Take Today
Open a free investment account — even if you don’t fund it yet. Look at the options. Imagine that seed.
That’s the first step toward removing the fear behind the question: is investing just for rich people?
The first account you open might feel small, maybe even a little pointless. But that’s how every habit begins — not with confidence, but with a single move that proves you’re ready.
Need Help Finding Tools That Actually Work?
If you’re tired of sorting through 30+ platforms just to open one account, Uncle Abundance has your back. Visit the Investing Brokers section at topfinancialchoices.com — we’ve picked tools that are beginner-friendly, low-fee, and easy to use.
You don’t need to become a stock market expert. You just need to start!
If you’ve ever found yourself googling is investing just for rich people, just know — it’s not about income. It’s about information, intention, and starting small.
“Investing isn’t about being rich. It’s about not staying stuck.” — Uncle Abundance
This article draws on insights from our team of financial educators, researchers, and real-world experts with decades of combined experience — because you deserve guidance that’s been lived, not just Googled.
Until next time, Uncle Abundance P.S. Always here with the kettle on and a financial truth bomb or two.
