Why Didn’t I Learn How Technology Builds Wealth Earlier?

Kyle Subido https://www.linkedin.com/in/kyle-subido/

For about seven years growing up, every Tuesday my uncle would come over to my house. It became so normal that I always knew what day it was when he showed up. Somehow everytime over sushi, I recall about him is that he would often discuss investing. No matter what else was going on, somehow the conversation would eventually turn into stocks, dividends, or building wealth.

At the time, I did not fully understand everything he was talking about. He would explain how investing was not only for rich people and how you don't need thousands of dollars just to get started. He would talk about dividends and how companies could basically pay you for owning their stock. He always made investing sound much easier and more realistic than I thought it was.

As I got older, I started understanding what he meant. I began learning more about investing on my own, and I realized that a lot of the things he talked about were actually pretty simple once you took the time to learn them. What surprised me even more was how easy technology had made the entire process.

Today, someone can open an investment account from their phone, deposit a small amount of money, research a company, and buy a stock all within a short amount of time. This made me start asking myself: Why didn’t I learn earlier how important technology is when it comes to building wealth?

This is where I started seeing the connection between investing and business information technology.

Financial technology, also known as fintech, has changed the way people manage and invest their money. Apps like Robinhood, Webull, E*TRADE, and other investing platforms have made investing more available to regular people. You do not need to call a stockbroker or have a huge amount of money just to participate anymore.

But I also realized that having access to technology does not automatically make someone a good investor.

Two people can use the exact same investing app but make completely different decisions. One person might buy a stock because they saw someone talking about it on TikTok. Another person might use technology to look at the company's revenue, earnings, financial statements, and future plans before making a decision.

The technology is the same, but the way they use the information is different.

That is what makes business information technology important. Businesses use information systems to collect data, organize it, and turn it into information that helps them make better decisions. Investors do something similar. There is so much financial information available online that the challenge is not always finding information anymore. The challenge is figuring out what information actually matters.

Artificial intelligence is adding another level to this. AI can summarize financial reports, explain difficult concepts, and analyze large amounts of information quickly. That makes investing research easier, especially for beginners. At the same time, people still need to understand what they are looking at instead of trusting technology to make every decision for them.

Looking back, I am glad my uncle talked to me about investing so much when I was younger. He showed me that you do not need to be rich to start and that even a small amount can matter over time.

Now I realize that technology has made his message even more true.

If investing has become this accessible because of technology, what is stopping more young people from learning how to use these tools to start building wealth earlier?