From confused to invested
Your first investment live in your portfolio by next weekend
The guide that takes you from 'I don't get any of this' to your first ETF buy in one week, without a finance degree.
What you walk away with
Pretty Simple Investment Guide Will Teach You
Three concrete outcomes you'll have by the time you close this guide.
✦ Stop keeping €3,000 on a debit card losing value, you'll open your first position and know exactly what you bought (without needing a finance friend to copy).
✦ No more closing the broker app after five confusing minutes, you'll understand every form, every ticker, and every click so setup takes 30 minutes instead of three paralyzed evenings (even if you've never touched investing before).
✦ Finally feel like your €200 a month matters, you'll see the exact plan that turns small monthly deposits into real wealth over time (without waiting until you earn more or save a lump sum).
Sound familiar?
You're reading the articles and watching the videos, and you still don't know where to click first
This isn't about not trying. You've tried. Here's what keeps you stuck.
The debit card that never moves
€3,000 sitting on a card losing value while you wait to feel ready. You know you should do something with it, but every article starts too deep and every broker site looks like a foreign language.
You read another article and still don't know where to click first
You've opened a broker's website. You've scrolled through forms asking for things you don't understand. You closed it after five confusing minutes and told yourself you'd come back when it made sense.
You tell yourself you'll start when you earn more, then another year passes
€200 a month feels too small to bother with. You think investing is for people with bigger sums, so your money sits on a debit card while another year ticks by and nothing compounds.
You fear picking the wrong thing and losing the money you worked hard for
This isn't play money. It's money you earned. The thought of putting it somewhere and watching it drop keeps you from putting it anywhere at all, so it just sits there losing value.
What becomes possible
You finally understand what you own, and your money works while you live your life
This is what shifts when you finally understand how it works and what to do next.
You open your brokerage app and it no longer feels like reading Mandarin
You top up your investment on payday the way you top up your morning coffee subscription.
The market dip that doesn't scare youThe market drops 8%
Your group chat panics. You don't. You understand what you bought and you know what staying the course means. The dip is noise, not a crisis.
The €200 that finally has a job. Your monthly €200 deposit isn't pocket change anymore
It's working, compounding, building wealth you can see grow over time. Your money has a real plan.
Your 40th birthday feels like progress, not just older with the same debit card balance
You look at where you were five years ago and where you are now. Your portfolio exists. It's growing. You didn't waste another decade waiting to feel ready. You started.
"Investing isn’t a talent. It’s a short sequence of unremarkable actions, repeated for a long time. Now you know the actions"
What's inside
What’s inside the guide
Four parts that take you from confused to confident, in the order you actually need them.
01 Broker account and funding
Open an account and fund it — before the theory, so you have somewhere to put the money. Includes a step-by-step Interactive Brokers walkthrough with screenshots.
02 The investor mindset and financial health check-up
You'll shift out of 'I'll start when I'm ready' and into a plan. You'll check your financial health so you invest from a stable place, not a shaky one.
03 Your goal, compound interest, and how the market works
You'll understand what your money could become over time, how compounding actually works, and why the market isn't as scary as it feels. The math becomes your motivation.
04 ETFs, your risk profile, and your portfolio plan
You'll learn what an ETF is, which type fits your life, and how to build a portfolio that matches your risk tolerance. Then you'll make your first buy. This is where it goes from theory to real.
Still on the fence?
Let's clear this up
The doubts that keep smart women waiting, answered.
✦ I've tried to learn investing before and it never stuck. Most resources either start too deep or they're ads for something. This guide starts at Step 0, the broker account, the forms, the first click. It's built for someone who's tried and closed the tab. You'll finish it because it finally makes sense.
✦ I don't have enough saved up to make it worth it. You don't need thousands. €200 a month is enough to start. Time in the market beats timing the market, and the best way to waste time is waiting until you 'earn more'. The guide shows you how small sums compound when you give them years.
✦ I'm scared I'll pick the wrong thing and lose money. That fear is exactly why most people never start. This guide walks you through your risk profile, what an ETF actually is, and how to pick one that fits your life. You won't be guessing. You'll know what you own and why you own it.
Pricing
What you get
Get the full guide today
Everything you need to go from confused to invested, in one week.
The full 143-page guide (PDF), eight modules from broker setup to your first buy
Bonus 1: IBKR guide, opening and funding your account (22-page PDF)
Bonus 2: How to analyze an ETF (23-page PDF)
Bonus 3: Four Excel worksheets, financial health check-up, future capital calculator, ETF analysis, portfolio template
Lifetime access, yours forever, read it as many times as you need
Launch price. Pay once, keep it forever. No subscription, no upsells, no auto-renewal.
Who this is for
This is for you if
You don't need a finance degree. You need one clear system you follow once.
You earn well and save something every month, but it all sits on a debit card because investing feels too complicated to start
You've opened a broker app, felt overwhelmed, and closed it, and you want someone to walk you through it like a smart friend, not a finance textbook
You're in your late twenties, thirties, or early forties and you're done waiting to feel 'ready', you want your money working while you sleep
You don't want to spend your weekends managing a portfolio, you want a plan you set up once and top up monthly
Who wrote this
Built by
I’m Julia. I am not a financial advisor, and I don’t pretend to be one. But I’ve always been deeply interested in business, personal finance, and investing. I run several businesses and sell my own product on Amazon, so money has always been an important part of my life. A few years ago, I realized that simply keeping my money in a bank account meant watching it lose value over time — and I decided to learn how investing really works.As I went through that journey myself, I realized how important this topic is for women. Investing isn’t just about growing your money — it’s about creating freedom, confidence, and a sense of security that comes from knowing you can rely on yourself, not only on a partner, your family, or external circumstances.That’s why I created this guide. I want to share what I’ve learned and make investing feel less intimidating and more accessible. I’m not here to promise quick money or tell you what to invest in — I’m here to take you by the hand, simplify the complex, and show you practical steps you can actually take to start.
One Honest Note
This guide is educational material, not investment advice. I don’t recommend specific securities to you personally and I can’t know your circumstances. Every decision about your money stays yours.
Ready?
Your first investment, live by next weekend
143 pages. Eight modules. One week. You'll go from 'I don't know where to start' to your first ETF in your portfolio. No finance degree required.
What stays broken
What waiting another year actually costs you
You're not just losing money. You're losing the one thing you can never get back: time in the market. Every month you wait is a month your money could've been compounding. Another year passes, and your balance may grow, but your money quietly loses purchasing power while it sits on a debit card.
You look at your mum's pension situation and feel the same dread about your own future, because you still don't have a plan
Good months get spent, bad months feel scary, and every unexpected expense shakes your sense of security because your money has no job
You scroll past another finance reel and the gap between where you are and where you want to be only gets wider
What you get
Everything included
The full breakdown of what's inside, and what it's worth.
The Pretty Simple Investment Guide (143-page PDF)
€47
The Pretty Simple Investment Guide (143-page PDF)
€17
Bonus 2: How to analyze an ETF (23-page PDF)
€17
Bonus 3: Four Excel worksheets, financial health, capital calculator, ETF analysis, portfolio template
€27
Get the full guide today
Everything you need to go from confused to invested, in one week.
The full 143-page guide (PDF), eight modules from broker setup to your first buy
Bonus 1: IBKR guide, opening and funding your account (22-page PDF)
Bonus 2: How to analyze an ETF (23-page PDF)
Bonus 3: Four Excel worksheets, financial health check-up, future capital calculator, ETF analysis, portfolio template
Lifetime access, yours forever, read it as many times as you need
Launch price. Pay once, keep it forever. No subscription, no upsells, no auto-renewal.
Questions answered
Questions people actually ask
I have almost nothing to invest. Is it too early for me?
No — it’s the best time. The guide starts with the amount you have, not the amount you wish you had. Module 2 is about finding what’s already there, and the first portfolios in Module 7 work with small, regular amounts.
Which country do I need to be in?
The guide is written to be country-neutral. The broker walkthrough uses Interactive Brokers, which works in most of the world, and every fund comes with both a US and a UCITS version so you can pick what’s available to you.
Do I need to prove where my money comes from?
Yes. A broker is a regulated institution: you'll go through identity checks and questions about your income, and deposits must come from a bank account in your own name. The income doesn't need to be big — it needs to be traceable and legal. Step 0 of the guide walks you through the whole process screen by screen.
Will you tell me what to buy?
I’ll show you how to read a fund and how to build a portfolio around your own risk profile, and I’ll show you what I hold and why. What you buy is your decision — this is education, not personal financial advice.
How do I get the files?
Straight after payment, by email, as PDFs and spreadsheets. If anything doesn’t arrive, write to [email protected] and I’ll fix it personally.
Can I get a refund?
Yes. If the kit isn't what you hoped for, write to me within 14 days and I'll refund you in full — you don't need to explain yourself and you don't need to prove anything. You're buying from an author you hadn't heard of a week ago and you can't flip through the pages first; that risk shouldn't be yours.One exception runs longer. If a broker refuses to open an account for you — your country isn't supported, or your application is declined — send me their message within 30 days and I'll refund you in full. This guide is built around actually opening an account, so if that door turns out to be closed to you, you shouldn't be paying for it.And if a file doesn't arrive or won't open, just write to me. I'll fix it, whenever it happens.The address is [email protected], and it's me reading it.
One last thing
The first step is closer than you think
One evening with this guide, and you’ll know exactly what to do next. That’s usually all it ever needed. Make it today.
Pretty Simple Investing · [email protected]
Privacy Policy · Terms of Service · Refund Policy
Educational content only. Nothing here is investment, tax or legal advice, and no outcome is guaranteed. Investing involves risk, including possible loss of principal.
Privacy Policy
Last updated: 20 August 2026
Who is behind this sitePretty Simple Investing (etfgirlsclub.com) is run by Julia, an independent author based in Montenegro. If you have any question about your data, write to [email protected] — the messages come to me personally, not to a support desk.What this policy coversThis policy explains what happens to your personal data when you visit this site, subscribe to my emails, or buy the guide.What I collect, and whyIf you subscribe or download a free resource: your email address, and your first name if you choose to give it. I use it to send you the resource you asked for and, afterwards, emails about investing, the guide, and what I'm working on. The legal basis is your consent, which you give by subscribing.If you take the quiz: your answers, so I can send you a result that makes sense and group my emails by what's actually relevant to you. Nothing here is a medical, financial or credit assessment, and nothing is shared with anyone.If you buy: I receive your email address and the fact of your purchase. I never see your card details. Payment is processed by Creem, which acts as the Merchant of Record — the seller on the invoice — and handles all card data on its own systems, under its own privacy policy.When you simply visit: my email and website provider records basic technical data such as IP address, browser type and pages visited. Email campaigns record whether a message was opened and whether a link was clicked, so I can tell whether what I write is useful.What I never doI don't sell your data. I don't trade or share your email list with other authors or advertisers. I don't try to identify you beyond the email address you gave me.Who processes data alongside me- MailerLite — email delivery and forms. mailerlite.com/legal/privacy-policy- Creem — payments, invoicing and VAT as Merchant of Record. creem.io/privacyBoth are bound by their own data protection terms and process data on documented instructions.How long I keep itYour email address stays on my list until you unsubscribe or ask me to delete it — there's an unsubscribe link at the bottom of every email, and it works immediately. Records connected to a purchase are kept as long as tax and accounting rules require, which is generally several years.Your rightsWherever you live, and in particular under the GDPR if you are in the EU or the EEA, you can ask me to:- tell you what data I hold about you,- correct it,- delete it,- give you a copy in a portable format,- stop using it for marketing — at any time, no reason needed.Write to [email protected] and I'll do it. If you believe I've handled your data badly, you also have the right to complain to the data protection authority in your country.CookiesThis site uses only what's needed to make the pages and forms work, plus the analytics built into my email and website provider. I don't run advertising trackers and I don't build profiles for advertisers.ChildrenThis site isn't intended for anyone under 18, and I don't knowingly collect data from children.ChangesIf this policy changes, the new version appears on this page with a new date at the top. Substantial changes affecting subscribers will be announced by email.
Terms of Service
Last updated: 20 August 2026
Who you're dealing withPretty Simple Investing (etfgirlsclub.com) is an educational project by Julia, an independent author based in Montenegro. Contact: [email protected].Purchases on this site are processed by Creem, acting as the Merchant of Record. This means Creem is the seller on your invoice, handles the payment and any applicable VAT, and its own terms apply to the payment transaction. The content itself is created and supplied by me.What you're buyingA digital kit: a PDF guide, two step-by-step PDF walkthroughs, and Excel worksheets. Nothing is shipped physically. Nothing expires. There is no subscription and no recurring charge.How you get itAccess is delivered by email to the address you use at checkout, right after payment. If nothing arrives within a few minutes, check your spam folder and then write to [email protected] — I'll send it to you personally.This is education, not financial adviceI am not a licensed financial advisor, and nothing in these materials is personal investment advice, a recommendation to buy or sell any specific security, or a solicitation.The materials explain how instruments work, show publicly available data and describe my own experience. I don't know your income, debts, obligations, tax position or goals, and I can't take responsibility for what you decide to do with your money.Investing carries risk, including the loss of your capital. Past performance guarantees nothing about the future. Figures, fees, broker interfaces and fund data change constantly — everything in the materials is accurate as of the stated date, and you should verify current numbers at the source before acting. Taxes are your own responsibility and depend on your country of tax residence; it's worth speaking to a specialist once.Any decision you make is yours, and so is the outcome.What you may and may not do with the filesThe kit is licensed to you personally, for your own use, forever.You may: download it, keep copies on your own devices, print it for yourself, and use the worksheets for your own money.You may not: publish it, share it publicly or privately with people who haven't bought it, resell it, sell derivative products based on it, use it to teach paid courses, or feed it into a service that redistributes its content. Copyright stays with me.This isn't legal boilerplate for its own sake: the guide grew out of personal experience, and it matters to me that it stays with the women who work through it.Third-party names and linksInteractive Brokers, Vanguard, iShares, Invesco, etf.com, justETF and any other names in the materials belong to their owners and are mentioned for educational purposes only. I'm not affiliated with them, not paid by them, and none of the links are affiliate links. I'm not responsible for what those services do or how they change.Availability and changesI may update the materials — corrections, new data, new sections. Buyers keep access to what they bought, including updates to it. I may change prices at any time; the price you paid is the price you paid.LiabilityTo the extent permitted by law, my liability in connection with these materials is limited to the amount you paid for them. Nothing here limits liability that cannot legally be limited.Governing lawThese terms are governed by the laws of Montenegro. If you are a consumer in the EU or the EEA, this doesn't deprive you of the protection of mandatory consumer rules in your own country. Payment-related matters are additionally governed by Creem's terms.
Refund Policy
Last updated: 20 August 2026
The short versionIf the kit isn't what you hoped for, write to [email protected] within 14 days of your purchase and I'll refund you in full. You don't need to explain yourself, and you don't need to prove anything.Why it works this wayYou're buying from an author you probably hadn't heard of a week ago, and you can't flip through the pages first. That risk shouldn't be yours. If the guide doesn't help you, I'd rather give the money back than keep it.If you do tell me what didn't work, I'll read every word of it — that's how the next version gets better. But it's not a condition.If a broker refuses to open an account for you — 30 daysThis one gets longer than 14 days, because it can take a couple of weeks to find out.This guide is built around actually opening a brokerage account and buying your first ETF. If that door turns out to be closed to you — your country isn't supported, or the broker declines your application — you shouldn't be paying for it. Send me the broker's message (a screenshot or a forwarded email is enough) within 30 days of your purchase, and I'll refund you in full.If something doesn't arrive, or doesn't openWrite to me and I'll fix it — resend the files, send them in another format, whatever it takes. If I can't fix it, I'll refund you, whenever it happens.How to askWrite to [email protected] from the address you bought with, or use the contact details on your Creem receipt. Refunds are processed by Creem as the Merchant of Record and go back to your original payment method, usually within 5–10 business days depending on your bank.Your statutory rightsIf you're a consumer in the EU or the EEA, you normally have a 14-day right of withdrawal for online purchases. For digital content delivered immediately, that right ends once delivery begins with your express consent — which is what you agree to at checkout, so that you can download the files straight away instead of waiting two weeks.Everything above is my own promise on top of the law, given voluntarily. It doesn't replace or limit any right you have under the consumer law of your country. If your local rules give you more than this policy does, your local rules win.
You're in!
Thank you for your purchase. Your files are on their way
What happens next
1. Check your inbox. You'll receive an email from Creem with your receipt and access to your order. Can't find it? Check your spam or promotions folder.
2. Open your order. Click the link in that email to open your order page. All 8 files will be waiting there.
3. Download your files. Download everything you need and keep the email — you can return to your order page and download the files again anytime.
Need help?
If a file is not opening, or something in the guide isn't clear — write to [email protected]. I read every email myself.
One last thing
And when you place your first ETF order — or when you get stuck — tell me how it went. Knowing where it worked and where it didn't is what the next version gets built on.