Feeling behind on investing? Wondering if it’s too late, too risky, or just too complicated? In this episode of My Happy Money Journey, I walk you through the exact steps to start investing—no jargon, no pressure. We’ll cover how to choose the right investment types for your age and goals, explain what ETFs, shares, managed funds and index funds actually are, and talk about diversification, risk, and returns. Whether you’re just getting started or finally ready to make your money work harder than your savings account ever will, this one’s for you. What You'll Learn: Why cash is not king when it comes to long-term wealth What a Big Mac can teach you about inflation The difference between shares, ETFs, managed funds, and index funds How to choose investments based on your time horizon (not your anxiety level) What diversification really means (and why you already have more of it than you think) How tax works on different investments Why you should not check your portfolio every day My real-life story of a $10K investment that’s now worth $6K—and why I’m not panicking Listener Takeaway:You don’t have to be perfect to be profitable—you just have to be curious and willing to start. Sponsor:This episode is proudly brought to you by Entourage Finance and Property, helping Australians grow their wealth through home loans, property advocacy and car finance. Learn more at entourage.com.au   Disclaimer:The information in this episode is general in nature. For tailored financial advice, please speak with a licensed adviser or financial planner.