💰Why this investment almost ruined me
Feb 04, 2026
read time 2 minutes
Hi there,
My very first investment was not smart. But it was a mistake that happened to work out.
I was in college, didn’t have much money, and knew I wanted to start investing. I believed in the market. I believed in index funds. I just didn’t have the capital yet. So I did something I do not recommend.
I took out a $3,000 student loan. It had a 0% interest rate at the time, and I convinced myself it was a good idea to invest it rather than let it sit. I put that money straight into index funds.
And here’s the uncomfortable truth: it worked. The market went up. I made money. I paid back the loan. On paper, it looked like a win. But looking back, I realize how lucky I was.
That could have gone the other way. The market could’ve dipped. I could’ve been stuck with debt and losses at the same time. One bad year would’ve changed the story completely.
That’s why I’m telling you this now: don’t invest the way I did.
You don’t need to borrow money to build wealth. You don’t need risky shortcuts. And you definitely don’t need luck. What you need is a system.
Since then, I’ve learned what actually works. Building your first $10K. Then your first $100K. Using savings, smart habits, and boring consistency instead of debt and hope.
That’s why I put all my best lessons into a step-by-step guide on making and multiplying your first $100,000. The safe way. The repeatable way. The way I wish I had followed from the start.
It’s free. No tricks. Just the playbook I wish someone handed me back then.
Learn from my mistakes. Use the guide. Build wealth without gambling your future.
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- Milan and Team
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