Three Tips To Get Young Adults Excited To Invest

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Timeless advice for young investors, originally written in 2022.

The pandemic years may have felt like a long series of bad news for investors between interest rates, inflation, and a declining stock market. That said, every cloud has a silver lining.

For example, if you are a millennial or a Generation Z, you might be used to this craziness. Or if you have a loved one who is a young adult, this is a great time to introduce them to investing for retirement. Why?

Markets like this teach important lessons, and as a young adult, this is a great time to build strong financial habits. As years pass, they will inevitably face “unprecedented times” again – but with a larger portfolio and, by definition, higher stakes. If you can get started now, you can build a great foundation of solid financial habits.

Here are a few principles that you can follow.

After a decline, stocks are “On Sale”

We are accustomed to thinking about buying goods on sale. And yet, we run from the equities when “the stock market” goes down. Young folks in particular benefit by buying things on sale. And it is no different with investing. A young person has a long time horizon for investing. You can take advantage of short-term declines.

Paying attention to short-term declines can be challenging, especially for anyone living off their investments. However, declines are likely an opportune time for someone who still has 30-40 years before they need to touch their investments. That said, if you can take this market as an opportunity to create investing habits, then you will eventually establish investment habits with two dimensions:

  1. the discipline to put it in, and
  2. the discipline to keep it there!

Keep It Simple

For young people looking to get their footing, get familiar with your investment options and savings vehicles. After a bull market, investments can look a little expensive. After or during a recent decline, diversified investments are a better long-term decision. Use the resources on this website to learn different types of investments, including:

Be Timing-agonistic

All that said, waiting for the market to “bottom out” probably isn’t wise. Not only is it easy to miss, but if you are waiting for things to get worse you may miss when things get better. For young people, this is a great opportunity to practice saving for retirement. Investing isn’t glamorous. For most people, saving for retirement just looks like putting money into your retirement vehicle(s) of choice consistently.


If you are a millennial or generation z, the time to start is now. If the young adults in your life have the means to get started, markets like this can represent great opportunities – not just in long-term outcomes, but also in building great habits. Consider starting the conversation today or at your next meeting with your financial advisor!

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    About the author

    Karl Frank, Certified Financial Planner ®, MSF, MBA, MA, is the President of A&I Financial Services LLC, a local business that specializes in wealth management, insurance planning, and retirement planning. Karl cares for business owners and the businesses that care for them. Learn More about Karl.