If I would have to restart my investing journey, here’s what I’ve done : By Sanjay Kathuria

I’m in my early 20s and looking back at just the last couple years, it’s kind of wild how predictable the mistakes are.

First, I waited way too long because I thought I needed to fully “understand the market.” In reality, I just lost time I could’ve spent investing small amounts consistently. Then when I finally started, I swung too far the other way chasing hype, trying to pick winners, thinking I’d outsmart everyone. Spoiler: I didn’t.

At the same time, I completely ignored the obvious my income. I spent more time researching stocks than improving skills that could actually increase what I earn. And every raise I got quietly disappeared into a slightly nicer lifestyle. Nothing crazy, just enough to slow me down.

The biggest realization? It’s not about being perfect. It’s about being consistent, keeping things simple, and not sabotaging yourself. If I could restart, I’d invest regularly, focus on growing my income, keep expenses in check, and just… stay patient.