The $100 Investing Starter Kit

If you're first-gen, you probably didn't grow up hearing about IRAs at the dinner table. Maybe your parents worked hard, saved cash, but never touched the stock market—because no one explained it to them, or because it felt like a rich-people thing. You've seen the headlines about people retiring with millions, and you wonder if you're already too late, or if you need thousands of dollars just to open an account. You don't. This mini-course walks you through exactly how to start investing with as little as a dollar, why compound growth is your secret weapon when you don't come from money, and how to make your first contributions without derailing your budget or your debt payoff. Maria Melchor, author of Always Have Enough and financial educator for thousands of first-gen followers, built this course for people who are starting from scratch—people whose most valuable asset isn't a trust fund, it's time. Inside, you'll get the same frameworks Maria used to convince her own dad to start investing in his fifties, the math that makes the case for getting started now, and a step-by-step plan to open your account, pick your first investment, and build the habit of contributing consistently. No finance degree required. No shame, no gatekeeping—just clear, honest guidance that meets you where you are.