3 Questions to Ask Before Every Investment Decision

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Investing is one of the most powerful ways to grow wealth, but it is also one of the easiest ways to lose money if you jump in without a plan. Too often, people rush into investments because of hype, fear of missing out, or the promise of quick returns. The reality is that good investment is not about chasing trends; it is about asking the right questions before you put your money to work.

Whether you are considering stocks, real estate, a business venture, or even a new side hustle, slowing down and running through a short checklist can protect you from costly mistakes. Here are three key questions you should ask before every investment decision.

1. Does this align with my financial goals?

Not every investment is right for you, even if it is “good.” You need to decide if it fits your wealth-building strategy. For example, if your goal is long-term retirement growth, a high-risk short-term play may not be the best fit.

Ask yourself:

• Am I investing in income (cash flow), growth (long-term appreciation), or stability (preservation)?

• Will this move me closer to my 5-year or 10-year financial goals?

• Does this investment match my risk tolerance?

2. What are the risks, and can I afford them?

Every investment has risks; there is no such thing as a “sure thing.” The key is not to avoid risks altogether but to understand them and decide if you can manage the downside.

Ask yourself:

• What is the worst-case scenario, and can I survive it financially?

• Do I fully understand how this investment works?

• If I lost this money, would it derail my financial stability?

3. What is my exit strategy?

Most investors think about how to get in; few think about how to get out. A smart investor plans both. Having a clear exit strategy ensures you are not stuck when markets shift or your goals change.

Ask yourself:

• How long am I willing to hold this investment?

• What conditions would make me sell, exit, or pivot?

• Is there liquidity (can I get my money out if I need to)?

If you cannot confidently answer these three questions, you are not ready to invest. It does not matter if the opportunity has unclear goals, ignored risks, and no exit plan; it is the fastest way to lose money. On the other hand, asking these questions consistently creates discipline that helps you make smarter, more intentional financial decisions.

Remember: Investing is less about picking the “perfect” opportunity and more about sticking to a process that protects your money.

Pro Tip: Write these three questions on a sticky note and keep them near your computer or in your wallet. Before every investment decision, big or small, run through them. Over time, this practice will save you money, stress, and regret while helping you build wealth strategically.

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