Meet Jake and Sam, two brothers born in the same small town, raised in the same humble home by the same hardworking parents. Their childhood was filled with love, laughter, and the same struggles many working-class families face: making ends meet. Fast forward to today, and the two men couldn’t be in more different financial situations. Jake, now a successful entrepreneur, lives a life of luxury and financial freedom. Sam, on the other hand, is living paycheck to paycheck, struggling to support his family and constantly stressed about money.

You see, most people believe the lie that you need to be rich to start investing, saving, or even thinking about your financial future. But the truth is, people with average (or even low) incomes build real wealth all the time — and people with high incomes lose everything just as often.

When people think about investing, the first thing that usually comes to mind is money. How much of it you need. How much you don’t have. And how impossible it feels to get started without a pile of it sitting in the bank.

When most people hear the word investing, they immediately think it’s something only rich people do. Images of stock market charts, city bankers, and huge sums of money come to mind. But that’s the old way of thinking. In 2025, investing doesn’t require you to have thousands sitting in a savings account. In fact, you can start investing with no money at all. What really matters is your mindset, your consistency, and how dedicated you are.

Let’s not beat around the bush—we’re all feeling the pinch. Whether it’s the price of a Tesco meal deal creeping up again, or energy bills doing their usual drama, saving money in 2025 isn’t just smart—it’s survival.