---
title: 'How I Make $68K/Month Investing in Stocks (Just Copy Me)'
source: 'https://youtube.com/watch?v=8EDwgRmnJr8'
video_id: '8EDwgRmnJr8'
date: 2026-08-04
duration_sec: 1065
---

# How I Make $68K/Month Investing in Stocks (Just Copy Me)

> Source: [How I Make $68K/Month Investing in Stocks (Just Copy Me)](https://youtube.com/watch?v=8EDwgRmnJr8)

## Summary

The video explains how to build wealth through stock market investing, emphasizing the power of compound interest, index funds, and starting early. The creator shares personal strategies, including a 70/20/10 rule for budgeting, and recommends specific funds like the S&P 500 and total stock market index funds. He also discusses risk management, when to sell, and the importance of avoiding high-interest debt.

### Key Points

- **Dad's story and inflation** [00:00] — The creator's father saved money in a shoebox, but inflation eroded its value, preventing him from quitting his factory job. This motivated the creator to invest to beat inflation.
- **Why invest in stocks** [01:25] — Over the last 60 years, the stock market has returned an average of 8-10% per year, outpacing inflation. Savings accounts don't offer such returns, so investing is necessary to grow wealth.
- **How stocks make money** [01:53] — Two ways: capital appreciation (stock price goes up) and dividends (company pays out profits). Compound interest amplifies returns over time.
- **Compound interest example** [02:33] — Investing $250 per month for 42 years at historical average returns would yield over $2 million, demonstrating the power of consistent investing and compounding.
- **Start investing early** [03:02] — The younger you start, the more time your money has to grow and compound. Market downturns are inevitable but historically recover, so time in the market is key.
- **Prerequisites before investing** [03:32] — Pay off high-interest debt (e.g., credit cards at 15%) and build an emergency fund covering 3-6 months of expenses to avoid forced selling during downturns.
- **Custodial accounts for minors** [04:14] — If under 18, a parent can open a custodial account to invest on your behalf.
- **How much to invest** [04:40] — The creator suggests a 70/20/10 rule: 70% on living expenses, 20% on investing, and 10% on fun. Adjust based on personal circumstances.
- **Investment apps and tax-advantaged accounts** [05:14] — Apps like Trading 212 offer fractional shares and practice accounts. Tax-advantaged accounts (ISA, TFSA, Super) help avoid taxes on investments.
- **Technical vs. fundamental analysis** [07:19] — Technical analysis uses charts and patterns for short-term trading; fundamental analysis evaluates company health and long-term potential. The creator prefers fundamentals and long-term holding.
- **Index funds explained** [08:29] — Index funds track a basket of stocks (e.g., S&P 500) and provide diversification. Historically, they outperform most actively managed funds and have lower fees.
- **S&P 500 historical performance** [09:54] — Over the last 10 years, the S&P 500 returned 13.6% annually. No one has lost money holding an S&P 500 index fund for over 20 years.
- **Active vs. passive management** [10:07] — Actively managed funds on average return 2% less than index funds and charge higher fees. Passive index funds have fees as low as 0.02% per year.
- **Three types of index funds** [10:37] — The creator recommends: S&P 500 (e.g., VUSA in UK, VOO in US), total stock market (e.g., VTSAX, VWRL), and emerging markets (e.g., VEIEX, VFEM).
- **S&P 500 concentration risk** [11:04] — The S&P 500 tracks 11 sectors, but five tech stocks dominate 23% of the fund. This concentration is a risk to consider.
- **Index funds vs. ETFs** [11:34] — ETFs can be bought in fractional shares, while index funds often require full share purchases. Both are similar, but fractional shares allow investing any amount.
- **Total stock market index** [12:30] — The total stock market index has returned about 10% over the last 10 years, offering broad diversification across the entire market.
- **Market crashes and recovery** [13:00] — The creator has experienced three crashes (dot-com, 2008, COVID) and all markets bounced back. Long-term investing requires riding out downturns.
- **Emerging markets potential** [13:42] — Emerging markets (e.g., China) have high growth potential but are riskier. Example: an apartment in Shenzhen bought for $100K is now worth over $1M.
- **Risk and diversification** [14:50] — The biggest risk is not taking enough risk. Diversified index funds and gradual investing reduce risk. Bonds can be added for stability, especially near retirement.
- **When to sell stocks** [16:03] — Only sell for three reasons: rebalancing (e.g., shifting to bonds as you age), cutting losses on individual stocks with fundamental issues, or taking profits for major life goals. Otherwise, hold long-term.
- **Invest and forget** [17:18] — Avoid panic selling by focusing on long-term growth. The creator advises to invest consistently and not check the market too often.

### Conclusion

The video emphasizes that consistent investing in low-cost index funds, starting early, and staying invested through market cycles is the most reliable path to wealth. The creator's personal success ($68K/month) is attributed to these principles, not risky speculation.

## Transcript

He's one of the hardest working people I know, I remember him working in a factory job making cable ties so he could provide for me and my mom and my three sisters.
He'd stash away any extra money he made in a shoebox as well hoping that one day he could quit his job of his money in the stock market,
Unfortunately, what my dad didn't realize Can you see where this story's going? was losing value due to inflation.
As more money is printed, This meant he was never able to quit his job in the factory. away by inflation scared me so much
As a result, not only have I beaten inflation, by around $17,000 a week on their own, I'm no financial advisor,
That's why I'm making this video. How can I make money investing in stocks? In the last 60 years,
So if your money isn't growing by more than this on its own, In a perfect world, you would have a savings of eight to 10% every year,
Unfortunately, such savings accounts don't exist. like this by investing in the stock market. A stock is a small part of a company and when you buy it
there are two ways you can make money. of the stock goes up during the time you own it, Secondly, you can receive dividends.
Not all stocks pay dividends, but if they do, The magic really starts to happen when you own a bunch
because the interest applied becomes larger and larger. a guilty pleasure of mine is messing Let's do one now.
If you were able to invest $250 per month, in 42 years, you'd be a millionaire you would actually have over 2 million in your account.
then that would just speed up the process. on historical average data and it isn't guaranteed, So as you can see, the real secret ingredient
which brings me onto when should I start investing. The younger you start, the better. to grow and compound.
as your investments have time to recover and it will happen, it always happens, in the way preventing you from investing.
First, you need to make sure you've paid Just think about it. if you are paying 15% to a credit card company.
This should be enough to cover three to six months This way, you are not forced to sell your stocks which can really ruin your progress.
you are ready to start investing. then it would be a great idea to ask a parent to open up a custodial account, which allows them to invest for you.
Your next question is probably something When you ask an investor, However, I have a different opinion.
through starting different businesses and only use the stock market to grow my wealth over time. from flying full-size airplanes and racing cars
If I'd invested all of that money into the stock market,. So my answer would be to invest whatever you then a 70/20/10 rule is a pretty good guide.
by these percentages, 70% on living expenses, Research shows that people who invest and downs of life and also get ahead of everyone else.
There are various different apps out there I'll leave some links below. You'll often hear people throwing around the terms,
in the UK, TFSA in Canada and supers in Australia. as they allow you to avoid paying taxes on your investments,
A great thing about these investing apps is they So rather than buying a share of Apple for $190,
I wish I had this option when I was younger, without having to take any big risks. One of my favorite investing platforms is Trading 212,
Since I was planning to talk about their app anyway, in sponsoring this portion of the video. to £100 to anyone that uses the code
One of the really cool things with fake money so you can get familiar with real data from the markets without risking any money.
or just want to try some strategies this is a great way to get started. where you can see how other investors
If you wanted to invest 100$ into that pie, allocations that that pie creator has chosen. it's worth trying out Trading 212 because signing
Of course, don't forget to use the code Tilbury Or alternatively, click the link in a description Now, the obvious next question
There are two main ways to attempt These are called technical and fundamental analysis. Usually short-term day traders are purely focused
This includes looking at charts and patterns. in price by judging the highs and the lows on the graphs. my strategy is about keeping it simple.
Lots of people talk about using margin and options, I'm a lot more focused on the fundamentals of a company. and the brand recognition,
lies to indicate the long-term success of a stock. of selling it for at least two to five years. so I do look at the occasional chart
This approach has helped me find some really in and out, trying to make a profit every day. I don't actually do any of this.
This is definitely the best strategy for most people. It's a way for the average person to make more money
and if you've ever followed any sports, The better your team performs, On the other hand, if they do really badly,
This is almost exactly the same as an index. Let's take the S&P 500 for example. This is a list of around 500 of the largest public companies
Apple and Tesla. then they run the risk of being removed With this league table or index of companies.
However, if something bad happens then you can wave goodbye to your money. The idea of an index fund is to be a little bit sneaky
in every single company on the list with just one click. out by all the companies doing extremely well. over the last 10 years has been 13.6%.
no one has ever lost any money if they've bought and held an S&P 500 index fund for more than 20 years. that the average actively managed fund return 2% less
This means that the professionals on average are doing worse they still charge you high fees no matter what. is because they're passively managed,
and don't need an expert to keep adjusting them. Meaning the fees can be as low as 0.02% per year. it often blows their minds.
they get confused at the different options and ask Well, as I said, I'm not a financial advisor, of success with three different types of index funds.
This is the one we briefly mentioned before. of eight to 10% has allowed me to generate a fortune This is due to the power of compound interest.
The S&P 500 tracks 11 different industries/sectors However, it is worth pointing out with five tech stocks dominating 23% of the entire fund.
I personally don't mind There are so many different index funds that track The best I found in the USA
The best in the UK would probably be the VUSA ETF. and an ETF is that the ETF can be purchased
index funds can only be purchased in full. if the price is $500, you must pay $500. can be purchased in fractional shares,
and instead you can invest whatever amount you like. out or want to dollar cost average in. so the money leaves my bank account
Really and truly, there isn't a huge difference Just consider which one is best for you, take the plunge. The total stock market index has returned investors
over the last 10 years, which isn't bad at all. You can't really get any more skin If you want to invest for a long period of time
then this is most likely the fund for you. across the entire market, but even if it does crash, with time,
I've seen three crashes since I've been an investor, the.com bubble, the 2008 financial crisis, I'm not going to pretend these crashes didn't hurt,
every market I've invested in has bounced back. on the entire market trending upwards. that you really believe in that goes to the moon,
because that stock doesn't play much The best I found in the USA is the VTSAX Index Fund and the best in the UK is the VWRL ETF.
Emerging markets are predicted by some experts I think it's important for me to have It's all well and good buying the S&P 500,
has some great gains, Just as an example of this growth, I looked into buying an apartment in Shenzhen.
and now it's worth over a million. Emerging market funds are definitely the most risky type
These funds include stocks from lots with Chinese companies. A lot of them are emerging markets, so it just makes sense
The best I found in the U S A is the VEIEX ETF and in the UK, the VFEM ETF, but there are also lots
so it's worth having a look around. the biggest question around investing, It really depends on how you define risk.
However, you also face this risk if you have a diversified portfolio of index funds and keep investing at a gradual rate each and every year,
then historical data shows you should be able in the event of a market crash is to mix These are just a different type of investment
and you can buy these on the same investment platforms. I wouldn't worry too much about them, it's a good idea to have more bonds and stocks.
the biggest risk you can take is not taking enough risk. when should I sell my stocks? in the stock investing world.
or hold onto them mostly depends on your age. off them during retirement by gradually selling when needed. In fact, if you are in your twenties to thirties,
there are only three good reasons to sell your investments. Hopefully, if you followed the video so far, out in times like this.
If you have individual stocks that appear it may be time to cut your losses before those losses stack take a good look at the wider industry.
then you know it's the industry, not just your stock. this gives you a bit of extra context. although I don't really recommend it.
I don't know, saving up for a dream vacation, This is a figure and enjoying your gains.
sell your stocks for as long Just invest and forget about it, This thinking will also help you avoid panic selling.
then you can check out this video next, Make sure to subscribe if you want to grow your wealth. Okay, I'll see you over there.