FatCat Culture

Key Takeaways Schools often prioritize academic skills over practical financial knowledge. Financial struggles may stem from gaps in education, not personal failure. Money skills like budgeting and investing aren’t widely taught in school but are learnable. Your degree is not your destiny, it's a tool. Your skills drive wealth. You can close the gap by learning real-world finance skills now.       You learned to solve for X, but not how to value your time. You memorized the causes of World War I, but not how to budget for rent. Years of school gave you a certificate, but did it equip you to build a life?  You studied economics, yet struggle with taxes; read Shakespeare, yet can’t negotiate a salary.It’s not entirely your fault. School prioritized certain skills over others—some valuable, some less so for financial independence. The real test isn’t algebra or literature—it’s managing rent, savings, taxes, and securing your freedom. And you were set up to f...

Key Takeaways Your habits are a large determiner of your wealth—not your income. Most bad habits come from culture, family , survival, fear, and lack of awareness. Good habits are simple but powerful over time. Without money discipline, you're just a high-earning broke person. Fixing your money habits doesn't require more money—just more clarity. Good habits compound. So do bad ones. If you want to change your wealth, change what you do daily. Fixing habits is free, but staying broke is expensive.       Your mother taught you to share. Your pastor taught you to sacrifice. Your school taught you to obey. But who taught you to build wealth? Likely No one. That’s why many of us are generous and dutiful—but broke. You were never trained to protect your money, only to earn, spend, save or invest. But if you don’t guard your financial future, who will? Your friends? Your culture? Your guilt? Your habits determine how your income, expenses, savings or investments, sh...

Key Takeaways Investing is not your first step—income is. Investing starts with mindset, not money. Start small, but start with strategy, not winging it or a gamble. Understand risk levels: low, medium, high. Not all investment types are equal. Match them with your goals and reality. Don’t invest EVERYTHING you have. Compound growth beats instant gains. Table of Contents The Psychology of First Time Investors  Jide's Investing Journey How to Start: Step-by-Step Plan Types of Investments How to Assess Your Readiness to Invest Common Misconceptions  Tools & Resources for Beginner Investors Glossary for Newbies THE PSYCHOLOGY OF FIRST TIME INVESTORS  New and sometimes old investors battle: 1. FOMO: Fear of Missing Out 2. Overconfidence: Thinking you’re the exception 3. Impatience: Expecting results overnight 4. Guilt/Shame: Feeling unworthy of wealth     These emotions can make you sabotage yourself. Investing isn't just a financial game—it's a...