Someone posted on AusFinance recently about hitting $80,000 in savings at twenty years old. No inheritance, no windfall. Just five years of working since they were fifteen, living at home with a dad who wouldn’t accept rent, and enough discipline to not blow it on whatever twenty-year-olds blow money on these days.

The post wasn’t a flex. That’s what made it interesting. It was more like: I have this thing and I don’t know what to do with it and also is it okay if I buy a cake.

I came across an interesting discussion the other day that really struck a chord with me. Someone had recently doubled their income from $600 to $1,200 a week and was wondering if saving $300 weekly was enough to bother investing. The question itself highlights something I’ve been thinking about for years – how our perception of “enough” can either empower or paralyze us when it comes to financial decisions.

Here’s the thing that really got me: $300 a week isn’t just “something” – it’s $15,600 a year. That’s roughly equivalent to a second-hand car, or a decent chunk of a house deposit over time, or quite frankly, peace of mind. Yet there’s this pervasive feeling among people on lower and middle incomes that unless you’re throwing around tens of thousands at a time, you’re not really “investing.” That’s absolute rubbish, and it’s a mindset that keeps people stuck.

The markets have been on a wild ride lately, with the S&P 500 jumping 9.5% in a single day. Looking at my trading app while sipping my morning brew at my desk in Richmond, I noticed a flood of messages from friends asking if they should jump back in. The recent market swings have certainly gotten everyone’s attention.

What’s particularly fascinating (and concerning) is watching how political manipulation seems to be driving these massive market movements. We’re seeing unprecedented situations where social media posts are preceding significant policy changes, leading to dramatic market swings that would make any regulatory body raise their eyebrows – or at least, they should.

The financial headlines have been particularly dramatic lately, filled with doom and gloom about market downturns and potential crashes. Opening my favourite news apps each morning feels like stepping into an anxiety-inducing echo chamber of market pessimism. But let’s take a deep breath and look at what’s really happening.

My balanced portfolio is down about 2% - hardly the bloodbath some are describing. Year to date, international shares are still up by 10-11%, and Australian shares have delivered a modest 4% gain since July. These aren’t numbers that should be keeping anyone awake at night.