Whether he’s helping out at his mother’s antique store, running his own eco-friendly lawn care business or clerking for an auction house, Julien Simon has been working since he was 8 years old.

“My parents have always pushed me to work because they always thought that it was important to have a good work ethic,” Simon said.

Georgia teen invests at an early age

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The 15-year-old from Atlanta saves the money he earns, but he knew he needed to step up his game in order to buy a car when he turned 16 — so he turned to investing.

“I figured that building on the money that I’d already saved up was probably the best solution to getting the money that I needed,” Simon added.

Many people are afraid to start investing because they don’t want to make mistakes, but Simon didn’t let that stop him.

He did thorough research and called Team Clark’s Consumer Action Center, a free help line, before signing up for a popular zero-commission trading app called Robinhood.

“So I would have to research the stocks and the companies that I wished to invest in, and I would then pick out how many shares I wanted depending on the money I had available,” Simon explained. “I kind of picked more stocks that would be a little more long-term, that way I don’t have to be on the app 24/7.”

If choosing your own stocks intimidates you, Clark recommends Acorns and Stash. The apps let you start investing for as little as $5 and cost $1 a month.

“It really isn’t too late to start. You can always save more money. You shouldn’t be afraid to just check it out,” said Simon.

The teenager started with an initial investment of just $500, but there are plenty of ways to begin investing with $100 or less! We have a list of your options here.

Read more: Clark’s investment guide for all experience levels