Talking to someone who has just started investing reminds me of my own beginner days. Starting to invest without knowing anything was really tough at first. There were many things to learn, and things I didn't understand kept coming up one after another. I didn't even know why I was losing and the losses kept piling up without knowing why. But the future of being free from money troubles is the only way to go. It's disappointing, but that's the reality.
Of course, index funds are also a good weapon, but ultimately, those with the ability to make significant deposits are the ones who see significant growth. For those who don't have that, it's just a story of millions or tens of millions of yen decades later with hope but no dreams. Unfortunately, there isn't enough power to change reality that much.
It's tough, but steadily moving forward, learning each step, investigating each cause, making improvements, and changing your life little by little. Even if it takes years, if you stack each step properly, that is progress, and that diligent accumulation holds the potential to change your life.
Life is a repeated process of choosing and discarding. What to take and what to discard is an individual's freedom. It's fine if there are no regrets as life progresses. If you can assert that there are no regrets, then that must be the right choice. The only thing that can be said for sure is that a life with money and a life without money are completely different. Having experienced both...