How & Where To Invest If You Have $10,000 or Less

How & Where To Invest If You Have $10,000 or Less by Jerry Fetta

The first time I had $10,000 in my bank was in 2015.

I was 21 years old, going on 22 and I’d been working hard on building my business so that I could start earning a good income. I grew up in the lower class and so the idea of having $10,000 was foreign to me and it was something my immediate family, let alone myself, had never experienced.

This was in 2015 so we didn’t have Robinhood or Crypto or many of the easy investing options we have today.

What did I do with it?

Before I answer that and talk about what you should be doing if you’re in this same spot, I want to talk about what people are doing with it today based on what I observe.

Young people (especially men) who have $10,000 or less today are mainly doing 1 of 3 things with it; all of them mistakes.

  1. Going all in on Crytpo. Crypto is pure, unadulterated and unregulated speculation. The #1 purchaser of NFT’s in 2021 was young men who earn less than $30,000 in annual income. That should tell us something. The only, and I mean the only, way to win with Crypto is if someone else loses. Because crypto has no earnings and no intrinsic value, its price is solely based on net buyers and net sellers. If there are more net buyers, the price rises. If there are more net seller, the price falls.
  2. Buying small cap and meme stocks. This isn’t as bad as crypto because at least there is an underlying business, but it’s still speculation. Why? Well a small cap company has a very small overall value because it has very little profit and it is not that established. A meme stock is a stock that trades purely on social popularity. When someone buys either of these they are betting. They are hoping that the price rises. In the case where the stock does not pay dividends and the company isn’t profitable, like crypto, the only thing that causes the price to rise is net buyers and net sellers.
  3. Attempting to invest in real estate. This isn’t nearly as bad because it is a real asset and it does often produce income. But the problem is, with $10,000 you’re not going to be an investor. You’re going to be a slave to a low end rental property for a measly few hundred dollars per month. First, $10,000 buys almost nothing. So, you’ll buy almost nothing or you’ll over-leverage trying to get into something substantial with that money. The profit margins will be slim. The work requirement will be high. And the learning curve will be steep.

Although these are all 3 different assets, they all have two things in common.

Those investing in these are looking for quick, high returns.

Those investing in these are looking for status or clout by gaining the social title “investor”.

Now what did I do?

I didn’t buy stocks, crypto or real estate.

I took my $10,000 and invested it into my own skillsets and into my business.

Here’s the reality:

$10,000 is not very much money.

Back when I got my first $10,000 and I thought it was a lot of money it was actually because I wasn’t effective at earning lots of income. When someone isn’t a high earner, any amount more than usual is going to seem like a lot.
Now, $10,000 also isn’t something to snub or turn our noses up at. Most don’t have it. So the fact that someone, especially a younger person, can accumulate $10,000 says they have potential.

So how much money do you need to start really investing?

$50,000 minimum.

Which means I need to be able to earn more and save more.

The historical Top 1% of Wealth save 40% or more of their gross income. Sounds like a big number right? Well it is, especially compared to the average American savings rate.

The idea is that we save 40% of what we earn and then we accumulate more funds to invest even sooner and more frequently as well. Then when we do invest, we invest for passive income so that our income rises even higher and we can save 40% of an even bigger number and continue to expand our investments at an even greater rate.

But I wasn’t going to save 40% of a $5,000/mo income. That’s $2,000/mo I’d have to save. I’d still have to pay income taxes on the $5,000, which was probably $500-$1000. After saving my $2,000 I’d only have $2,000 left to live on to cover my rent, groceries, transportation, etc. The math just doesn’t work.

In most geographical areas of the U.S. I believe a person needs to be earning at least $10,000/mo gross income to save 40% and still have enough to cover taxes and living expenses.

The solution?

It isn’t to speculate. The person who speculates and buys crypto, meme stocks and over-leveraged real estate looks at the problem I’ve just described and sees that if they can just pick the right crypto, the right stock or the right real estate deal they can get rich and shortcut the system. Very few make it doing that and of those who do, very few can repeat it again without losing what they made in the first place.

No the solution is to better oneself.

I took my $10,000 and I invested it in improving my:

  • Communication
  • Appearance
  • Knowledge
  • Confidence
  • Professional Skillsets
  • Professional Network
  • Branding and Promotion


Because these are all things that can help me to earn more income.

I don’t need to turn $10,000 into $100,000.

I need to turn $10,000 into the ability to make $10,000 or more every month for the rest of my life.

Do you see the difference there?

So that’s what I did.

And now, I make $10,000 every other day with my business, 7 years later.

This is important because if I take my $10,000 and speculate with it, I could lose it. Then I’m back at $0 and starting over.

Even if I get lucky and turn it into $100,000, I don’t know how to make another $10,000 to do it again and if I did, the probability of me successfully 10xing my $10,000 a second time is even less likely than the first time.

Real wealth is built from consistent, repeatable actions. If it’s something I can’t get to the point of being able to repeat it every other day, I shouldn’t get into it.

Now the person who speculates wants to get rich quick so they can enjoy life at a younger age than “retirement” (age 60) and they can get out of the rat race.

Look I totally get that. And that’s exactly what I’m instructing you to do.

At the time I’m writing this article I’m 29 years old, I have a net worth of about $3 million, I run a 7-figure company, I have multiple streams of passive income and I’ve never lost money investing. If that isn’t what a speculator is trying to achieve, then I don’t know what is.

How did I get here?

By going all in on myself and my skills until I was earning enough income to save 40% consistently. Then every time I built up to $50,000, investing for passive income in real assets. And then just repeating that process.

And here’s the best part! This system isn’t new! This is actually how the wealthiest people in history got where they are. It’s only within the last 50 years that we’ve been marketed something different by Wall Street, Chain Banks and the IRS. Wealth isn’t hard and it isn’t impossible. It’s actually quite simple, but it takes hard work and the willingness to invest in ourselves and follow the narrow path.

Where does it all start?

With Financial Literacy. If you’re reading this and what I’m sharing with you is news to you, it means that you hadn’t learned this before now. And I’m happy to tell you there’s more info like this available to you. I’m willing to share it with you for free and I’ve been doing that for the last 10 years of my life in the financial industry.

Every Friday at 10:00 pm EST I host a free training on Finances.

Here is a replay of the one I did last week:

I’d like to invite you to attend this week. Again it’s Friday at 10:00 pm EST and it’s completely free. My topic is going to be the exact thing I wrote about in this article. How and Where To Invest $10,000 or Less.

Click here to register for free!

To Purpose, Wealth & Freedom,

Jerry Fetta

Jerry Fetta is the CEO and Founder of Wealth DynamX. He is a nationally recognized financial expert featured in Forbes, Yahoo Finance, Fox, Chicago Weekly News, New York Finance, interviewed on over 45 podcasts with world renowned experts, earning endorsements and affiliations throughout his career with names like Kevin O’Leary, Grant Cardone, Dave Ramsey, and Pamela Yellen.

Jerry’s mission in life is to help create millions of financially educated and solvent families achieving greater financial freedom and sharing the truth about money with those around them.

Learn more at

(DISCLAIMER: The information in this content should not be considered tax, financial, investment, or any kind of professional advice. Only a professional diagnosis of your specific situation can determine which strategies are appropriate for your needs. Wealth DynamX can and does not provide advice unless/until engaged by you.)



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Jerry Fetta

Jerry Fetta

Jerry Fetta is the CEO and Founder of Wealth DynamX. Jerry’s mission in life is to help create millions of financially educated and wealthy families.