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You don’t need thousands of dollars to start investing. In this video, I share how I started investing with just $100 and the exact ETFs I chose for my retirement Roth IRA. When money is limited, you can’t afford to overcomplicate things or chase trends — so I focused on instant diversification, low fees, and long-term consistency. I walk through why ETFs made sense for me, how I use fractional shares, and how I think about investing for the long haul. I break down three ETFs — SCHB, SCHR, and FHLC — using ETFdb.com so you can see their expense ratios, holdings, sector breakdowns, and role in a long-term retirement portfolio. I also show how I split my first $100 to balance growth and stability. This video is for educational purposes only and not financial advice. If you’re new or returning to investing and want clarity without pressure, this video is for you. Timestamps: 00:00 – Starting Investing With Just $100 00:12 – Why Small Amounts Change How You Invest 01:12 – ETF #1: SCHB (Broad Market Exposure) 03:57– ETF #2: SCHR (Treasury Bonds for Stability) 06:00– ETF #3: FHLC (Healthcare Sector ETF) 07:20 – How I Split My $100 Across ETFs 07:47 – Why These ETFs Work for Long-Term Retirement 08:20– Final Thoughts + What to Watch Next What the Fidelity Quiz Taught Me -- • What a Retirement Quiz Taught Me About My ...