You are absolutely right! Almost everyone I talk to dismisses most investment effort as ‘not enough to make a difference’.
So untrue.
7 years ago, after a needlessly drawn out divorce, I was insolvent, in major debt, with a negative net worth.
Daily, weekly, and monthly effort (as well as the good fortune of discovering Bitcoin in 2020) first eliminated debt, then built savings, which allowed for investment.
Took 5ish years to get to even, and about another 2ish to 180 the negative net worth.
All small steps - or bites of the elephant, if you prefer.
Consistency, humility, patience, and God’s good grace.
