Over 40? Don't Start Investing in 2026 - Do This Instead

Описание: If you’re over 40 and planning to start investing in 2026, you might be making a costly mistake.

In this video, I explain why focusing on investing too early can actually slow your wealth growth — and what to do instead. This is the strategy most people skip.

If you’re over 40 and planning to start investing in 2026, you’ve probably heard the same advice over and over again:
“Start as early as possible.”
“Just invest and let compounding do the work.”

But the reality is more nuanced.

In this video, I explain why starting to invest too early — before you’ve maximised your earning power — can actually slow your long-term wealth growth.

I’m Paudie Kelly, a financial consultant and economics professor, and in this video we break down:
• The difference between active income and passive income
• Why active income often has a higher ROI than investing early
• How probability and control matter more than averages
• Why sequencing matters more than starting early
• A simple framework (RISE) to increase your income before investing

This video is especially relevant if:
• You’re over 40 and new to investing
• You feel behind financially
• You’ve invested small amounts and seen little progress
• You want a more reliable strategy for building wealth later in life

This is not anti-investing.
It’s about getting the order right.

Active income first. Passive investing second.

Disclaimer: This video is for educational purposes only and is not personalised financial advice.

If you found this helpful, consider subscribing — I post weekly videos on money, risk, and decision-making.


00:00 Intro
00:30 The Active Passive Income Spectrum
01:30 Investing as passive income
02:10 Why Most People Misunderstand ROI
02:40 Active Income Has a Higher Return (Here’s Why)
04:20 Probability, Control, and Risk
05:30 Why Sequencing Beats Starting Early
08:10 The RISE Framework Explained
11:00 Conclusion

Most people think investing early is the key.
But sequencing matters more than timing.

Active income first.
Passive investing second.

Curious which part of the video changed your thinking the most?
Comment below — I read all of them.