Should I Invest in the Stock Market Today?


The stock market, a place where business can sell shares in their company to raise cash. Millions of Americans invest in the stock market today on a regular basis through a 401k, yet many do not know why. Americans are lacking in financial literacy, and many do not know why or even should they be investing in the stock market today.

About Stocks

Stocks are a type of investing security that allows people to buy shares of a company that is publicly traded. These companies that are publicly traded allow anyone to buy shares of stock. Selling shares of stock allow a company to raise capital to expand the business. Raising cash is tricky for business, so many sell shares of stock as a preferred method for raising capital.

Why Should I Invest in the Stock Market Today?

Should I Invest in stocks? Well, stocks tend to yield way higher returns than a typical savings account or a bond. The S&P 500, a collection of the most profitable 500 companies in the US, yields roughly 7-10% a year. This is not guaranteed, but it tends to be the average over time. 

High returns are definitely great, but also stocks tend to be highly liquid assets. If you want your cash, selling stocks is almost never an issue. You can sell your shares and have it back in your checking account in about 2-3 days on average. Some people link their brokerage and checking accounts so the funds clear almost instantly. Liquidity, high returns, and dividends are great for anyone. Everyone knows a bond is a boring $3 usually on every $100 invested. These two advantages do not factor in that stocks are fun to invest in. Picking out companies and becoming an owner is a fun experience. When the company is doing well, it is a really fun experience to watch your shares grow. However, this does not factor in the disadvantages of the stock market.

Why Shouldn’t I Invest in the Stock Market Today?

Today is a different day than yesterday. Yesterday stocks could have gone up or down depending, but today is different. The stock market could have gone up, or it could have gone down, you never know until the market closes. People can lose a lot of money in the stock market trading short-term, but this is why you shouldn’t be a short-term trader without experience.

With the risks involved in the stock market, you should know that you can be protected. Risk-management techniques are a great way to manage your tolerance in the markets. You can read more at Is Investing in the Stock Market Risky?

The key is not in timing the market, it is riding the market. 

stock market over time

What do you notice about the chart? The stock market over time has continued to grow. The goal is not timing the market, it is being the market. Trying to time the market subjects you to risk, but being the market allows you to be a winner. Over time the market should continue to grow, and this is why you should be doing something known as dollar-cost-averaging.

Dollar-cost-averaging enables you to automatically buy stocks once a month on a regular schedule. If you want to invest $500 a month in stocks, it will buy them sometimes for more, sometimes for less. Over time, the average will allow you to still continue to earn a profit on the stocks.

Now you see why timing the market is a silly gamble. When buying individual stocks, it may be worth it to look at the price a little bit, but buying a fund guarantees profits. Funds are made up of large groups of picked stocks that are usually good companies. Diversifying spreads out your risk and allows you to grow and be an owner of more companies.

You can begin to start dollar-cost-averaging by using Stash to invest. Stash is a mobile app that allows you to buy fractional shares of stock on a scheduled basis. The app was designed with dollar-cost-averaging in mind, so take advantage of it. You can sign up for free and get $5 to begin investing.


Investing in the stock market over the long-term is a great investment, and I believe you should invest in the stock market today. Do not worry about short-term profits unless you are an experienced trader. These are people who are able to trade the stock market for an income. Note: this lifestyle can be extremely stressful and the markets often times are not rational.

If you have to ask yourself if you should invest in the stock market today, you are most-likely gambling and shouldn’t invest. However, if you want to look at it long-term, you should invest in the stock market for the potentially higher returns. Holding cash for the long-term allows you the benefit of collecting dividends and capital gains. You will also save money on capital gains tax by holding shares for longer to six months, so that is something to think about also.

I suggest reading books related to investing if you have the opportunity. It will allow you to increase your financial intelligence while earning more income. My favorite investing book is The Intelligent Investor by Benjamin Graham.


When it comes to making money, people often think of a job. Jobs allow people to trade their time for money and happens to be what most people do. The problem is, you have only 24 hours a day, and not all of these hours can be spent working. Forex, on the other hand, is a business model that allows your money to work for you 24 hours a day.

Owning a business is the next reasonable way to make a living, but not everyone has an entrepreneurial spirit. Besides, business requires you to tie up most of your liquidity in inventory, supplies, labor, rent, etc. Anyone who does not already have a lot of money will need a loan, which charges interest.

Luckily, trading the foreign exchange market can be a reasonable and profitable way to earn an income. Forex (foreign exchange) trading is a popular method to make money using the money you have. It allows you to work from your computer, set your hours, and be in charge of yourself. The forex lifestyle is fun and can become your next opportunity.


Unlike a job, forex has no earnings cap. Forex trading is the process of buying or selling currencies to make money. Primarily, people will trade currencies to make money in the forex market.

The currency market can be a long-term solution to earning extra income. What forex traders do is use real money combined with technical analysis on a forex pair. After the review has been done, they will use their forex broker to make an educated decision on where to enter a trade, hoping to make a profit.

Forex and Casinos

Now, if you have never heard of how a casino makes money, you will be shocked. A casino offers people the opportunity to gamble their money with the hope of turning a profit. This is done through table games, slots, and more.

Casinos have what is known as the house edge over a game. Basically, on each contest, the casino will win more than 50% of the time on any game. Using basic mathematics, you will realize that a casino is not concerned with short-term losses. They are in it for the long-run.

Forex traders can learn a lot from casinos. In forex, you should not be worried about being correct 100% of the time while trading. A common misconception is that the only way to be profitable trading forex is to be right, but nobody is right 100%. In reality, forex is not about being right; forex is about being profitable. 

How to Trade Forex

The first thing any forex trader should have is an internet connection and a computer. You will also need some cash to start trading on your account with, so make sure to have around $100-$1000, to begin with. If you do not have the money, to start with, consider a demo account as this will allow you to use the trading platform without any risk. A demo account can be a great way to learn.

Risk: Reward Ratio

A risk: reward ratio is a ratio that will define how profitable you will be trading the market. Before entering a trade, you will have to decide how much you are willing to risk to gain a certain amount.

For example, if I have three risks: reward ratio, this means that for every $1 I risk, I have the opportunity to make $3. As a rule of thumb, I keep my risk: reward ratio at a minimum of 5, meaning at a minimum, I need to be right two out of ten times to break even.

Positions Trading

In simple terms, positions trading is when you set a stop-loss and a take-profit order based on your risk: reward ratio. I use TradingView connected with to do all my trading. Combined, you can easily set your positions with the designated risk: reward ratio.

With positions trading, you are setting entry to the order first. This is where you first decide if you are going to buy (go long) or sell (go short) on the trade. After this, you will set your stop-loss and take-profit orders based on the risk: reward ratio.

Almost every broker will let you choose the appropriate risk: reward ratio. This is not something you need to worry about. What is more important is that you set the positions accordingly, and do not move them.

The reason you do not want to move your positions after setting them is that you are playing probability. If you only need to be right two out of ten times to break even, it will be hard for you to lose money long-term. However, if you start moving your positions, you mess with probability.

Technical Analysis

Technical analysis is where people use charts, indicators, patterns, to predict where the next move is. Using technical analysis, traders can give themselves a profitable edge over the market. Like a casino, this is the way traders can give themselves an advantage. When it comes to how to make money trading forex, technical analysis is what most people struggle with.

The critical part of using technical analysis is not to rely on one indicator or too many indicators. did a cool article about this, but indicators by themselves are usually not profitable. Forex is something that requires a strategy, not just one indicator will unlock the benefits of forex.

Instead, indicators should be combined with patterns and other technical analysis to develop a strategy. The strategy I use utilizes a combination of three components of technical analysis. Simple chart patterns such as the head and shoulders pattern, Elliot Wave Theory, and double tops are the first component.

Head and Shoulder Pattern

Head and Shoulder Pattern

Double Top Pattern

Double Top Pattern


Elliot Wave Pattern

Elliot Wave Pattern

The next component I use is the chart overlay Fibonacci retracement. Fibonacci numbers give great points to enter and exit trades on and are critical to the Elliot wave principle. Elliot waves tend to bounce off of Fibonacci retracements, so this is a good point to set your entry orders at.

Fibonacci Retracement

The third component I will use is the RSI indicator. This indicator will let me know if the market’s trade volume is currently overbought or oversold. If all three of the components signal an entry, I will place my trade using a risk: reward ratio of 5.

RSI Indicator


Knowing all of this, you can make a decent income. I have now shown you my strategy and explained how to be profitable trading forex, so my suggestion is to go use a demo account. A demo account will let you test these strategies before ever using your own capital.

You can use to start trading with a demo account and see how profitable you can be using this strategy. You can also check out a few of my other articles such as:




affiliate marketing


Everyone loves the idea of using their social media presence to generate income for themselves. With successful affiliate marketing, social media can be an excellent platform for spreading your affiliate link. Affiliate marketing is a great personal online business strategy that you can develop. This type of business does not require a whole lot of startup costs. The focus is more on marketing, and less on business strategy.

Twitter can be an essential tool for anyone looking to make extra income from twitter affiliate marketing. Affiliate marketing allows influencers to earn a commission for products they promote through an affiliate link. The job of the influencers is to spread their affiliate link using their social media presence and influence to generate sales.

If you are new on Twitter, it will be hard to earn any profit through affiliate links. At this point, it will be much more important to grow your following than it will be to sign up for an affiliate network. Investing in promotion, putting out relevant content, and building your brand should be your priority.

Affiliate Marketing

An affiliate link is a link that a company will give influencers to get free exposure in exchange for a commission on the sale to the influencers. If you have watched YouTube, you will probably see YouTubers promoting products or services with their sign-up link in the description.

Usually, the link will give you an exclusive discount on the product or service. The consumer benefits from a premium, the business benefits from free marketing, and the influencers benefits in the form of commission. Affiliate marketing has become such a big market that businesses cannot afford to ignore.

How to Get an Affiliate Link

If you have a sizeable social media following already, it is time to get sponsored through an affiliate program. Look at your analytics and see what your audience has an interest in searching. If you look at your audience, you will see a few things. Gender, age, interests, and more.

I have a strong male social media following between the ages of 18-25. I used this information to contact Tiege Hanley, a men’s skin care system and offered them my platform in exchange for an affiliate link. With this link, I can market a product I use regularly and earn an income using my Twitter.

Next, you want to make sure the companies you reach out to are high-quality companies. The last thing you need is to promote a product that is of low quality and destroy your online reputation. Use Google to find reputable companies and products to get an affiliate program. Here is a list of a few companies you can promote based on niches:

Dollar Shave Club – Male Demographic

Bluehost – Technology Demographic

Amazon – All Demographics

Bovada – Male Sports Demographic

Using Twitter Marketing

Now, after you have an affiliate link, it is essential to start spreading this link. You will want to use your social media to begin spreading this link. Twitter, Facebook, YouTube, and Instagram, are great platforms for affiliate marketing, but the one we will focus on is Twitter.

The reason I like to use Twitter is that I have had the most success on this platform. The way I use Twitter to get sales is to tweet relevant information to my product with my affiliate link. Suppose I post an article pertinent to men’s skincare, I will put my affiliate link in the tweet also.

Something like “Check out Tiege Hanley, the most uncomplicated men’s skin care system out there. Use promo code: JOHNTOCCI for 20% off your first order! Link:” works perfectly. It is short, to the point, and advertises your product.

First, on a regular schedule, I will retweet this tweet during the busiest hours on Twitter. I check my analytics to find the best time to post. The best time to post is when your followers are most active, allowing for more impressions on your tweet. The more reactions your tweet gets, the more sales are likely.


Using Twitter to spread your affiliate link is a task that requires a lot of time. You will need to build a sizeable social media following, but once you have a platform, you now have a money-making machine. Your Twitter should be able to work for you and earn you passive income through affiliate marketing.

The more sales you get, the better your income will be. If you haven’t already, start researching some target-marketing techniques to help optimize your posts for your niche. Doing whatever you can to help get more sales is vital to your success in affiliate marketing.




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