So you’ve decided that it’s time to start your investing journey? It’s time to channel your inner Jay-Z and start building your empire. 

But don't worry, you don't have to have billions, a Grammy-award-winning partner and a best-selling line of headphones to make it happen. 

With just a little bit of money, you can start investing in your future like a true mogul. So how much should you start with? 

Well, it kinda depends - but don’t worry- you’ll be clear by the end of this article. You ready, B?

1. Firstly, let’s prioritise

Before diving into market trends, ROI’s and manifesting yourself as the next Warren Buffett, it’s important to check in with your financial obligations. 

Investing can look sexy, but if you’ve got a lot of debt, or don’t have an emergency fund to look after yourself - ya gotta prioritise those first.

Investing always comes with a bit of risk, so it’s important to make sure you can look after yourself financially if it doesn’t work out.

2. Run the numbers

Cool, so you’ve got your debts and savings sorted - and now you’re ready to start investing. 

To work out how much you can actually afford to invest, you want to have planned a budget that includes your monthly inflows and outflows. 

Experts suggest that you should invest somewhere between 15% - 25% of your take-home income towards investments (that’s the money that hits your bank account after super and tax). 

So if you’re pocketing $4,000 per month into your bank account, then you could try and put between $600 - $1,000 towards investments and savings. 

If that’s not an amount you can work with right now, you should start smaller and build up towards investing more.

3. There’s a minimum…

To buy or sell on the ASX, most brokers will require a minimum order value of $500 and then they’ll slug you with a brokerage fee (ie a fee for making your trade)

So, if you’re charged a fee of $20 per trade,, it might be worth waiting till you have bundles of $1,000 or more before buying.

4. But, that’s not a dealbreaker

If you’re keen to invest but don’t even know where to start, you can get started with investing with smaller amounts.

In which case, micro-investing could be the thing for you.

Micro-investing apps allow you to invest anything from $1 onwards.. And choose the stocks for you. 

And this can be the easiest way to start - then you’ll have 99 problems but share trading won’t be one.