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From Pocket Change to Portfolio: Invest on Any Budget

Diarmaid McMenamin
7 min readOct 14, 2024

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Let’s talk cash — specifically, the lack of it. If you’re like most busy professionals, you’ve worked incredibly hard to build a solid career. You’ve finally got the nice house, perhaps the nice car, and maybe even a bit of status that comes with the job title.

But here’s the kicker: when payday comes, and you start looking at your bank account. There’s not much left after the mortgage, bills, groceries, and gym membership you’re too knackered to use.

And now you’re left thinking, “I want to invest, but I have no cash!”

Sound familiar?

Many people experience the frustration of limited cash flow, particularly those juggling family life, professional responsibilities, and the endless expenses that come with them.

But there is good news. Even if your cash flow feels tighter than the waistband on last year’s trousers, you can still start investing. Yes, really.

In this article, we will break down why feeling like you don’t have enough cash to invest is a myth, how you can find opportunities to invest even with limited funds, and — most importantly — how you can build a pathway towards financial freedom without needing to strike gold tomorrow.

The Cash Flow Conundrum: Where Does All the…

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Diarmaid McMenamin
Diarmaid McMenamin

Written by Diarmaid McMenamin

Helping busy, time-poor professionals build a life of time and financial freedom by improving financial education and investing in property.

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