Why I Stopped Investing (For Now)

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Disclaimer: I am not a financial advisor. This video, and the ideas presented in it, are for entertainment/educational purposes only and should not be construed as financial or legal advice. You, and only you, are responsible for your investment decisions. This video, post & article should not be construed as investment advice. Capital at risk.
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In today's video, I'm sharing something that many of you might relate to – why I stopped investing (for now). Recently, I've had a lot of significant expenses, including buying a new apartment, paying the annual rent for my new place in Dubai, planning to buy a car, and finishing the furnishing in the new apartment. These expenses have made it challenging to continue my regular investment routine.

But here's the key message: it's okay to pause investing when life throws big financial responsibilities your way. Your first priority should always be to restore your emergency fund of three to six months of living expenses. This safety net is crucial for financial security.

In this video, I discuss:

The importance of an emergency fund
Why you shouldn’t beat yourself up if you can’t invest every month
The long-term perspective on investing and the power of consistency
Avoiding complacency and staying disciplined
Remember, life happens, and sometimes we need to adjust our financial plans. Missing a week or month of investing won’t ruin your financial future, but having a secure emergency fund can save you from unexpected financial stress.

[Dinesh-Kumar]

Hi Kai quick question what if now I continue buying in trading 212 and later after a sum amount I move my shares/ part of portfolio to interactive brokers what do you think will this help me save on the interactive brokers commission ?

Would be great to hear your opinion .

Thank you in advance.

[paulevans]

Thanks for your transparency, I'm enjoying your videos, good Lusk in getting through this sticky period and then getting back on track 👌🏻👍🏻

[PikachuUsedSplash]

Thanks for your transparency Kai! Question about emergency fund, How did you go about choosing where to keep your emergency fund?

[gamingeopperdi]

Hello kai i want your opinion about Robinhood. So do you find it trustworthy and Is it fully available in Europe nowadays?

[philhearing]

Thank you for sharing your experience and views! Your videos help me a lot 🙏

[RafaelPE]

Great video, Kai! And right timing for me. I’ve been thinking about dropping the amount I invest monthly to rebalance it with my emergency fund but haven’t done much yet.
I think it was just what I needed to hear to use that investment money and put it in my fund on Trade Republic so that I rebalance things in the next 2/3 months.

[PedroJPCosta]

Once again I just love your transparency about your reality. Always keep it up my friend!

[cmazas]

really good approach Kai, u are one of the few youtuber that are so clear and transparent keep like that, life is short

[yutube]

Is there a safe way to put our money to just get some interest even little % in interactive brokers? like saving account?

[gikisTSB]

You're awesome! Sorry, but why buy real estate for investment in a region that's experiencing war danger?

[paulevans]

Any Real estate agents you would recommend?

[paulevans]

I look forward to following your journey, as I'm interested in possibly locating to Dubai myself at some point 👍🏻

[davidcaetano]

Great video as always. Sometimes it’s okay to take 1 step back to take 2 steps forward.

[Vjera]

What kind of buisness you started down in Dubai

[mgeinky]

Hey mate. Super useful video! That is something that has happened to me recently; when I get my salary at the beginning of the month, I tend to send a 10% of it to Trade Republic, where I keep my savings. After having done that, I send a certain amount of money to my brokerage account. However, this last month and a half I haven't been able to invest. I have kept sending money to Trade Republic but I haven't seen that big of a grow. Its stressful at times, but on the other hand, sometimes it's necessary to take care of the things in front of you before you pay youself!