https://www.linkedin.com/in/tyler-stewart-b1b54923 (Tyler Stewart) has always been an educator at heart; whether it was his previous life as a stock trader, or his current life as head of investor relations at RealCrowd, an online commercial real estate investing platform with more than U$6 billion in deals, Tyler has made teaching investing fundamentals his life’s mission. This calling led him to the founding of two nationally recognized platforms: the RealCrowd Podcast – where top investing minds discuss the most pressing issues facing investors today – and RealCrowd University, a free, in-depth educational course that will teach you the fundamentals of real estate investing.

“The quickest way to grow your bank account is to save money, don’t spend it, have a monthly budget. Once you start saving, find a financial advisor and have them help you build out a portfolio and figure out what your goals are and what your risk tolerance is.”

Tyler Stewart

Worst investment ever Tyler catches fear of missing out from teacher’s story One of Tyler’s memories from his first-year high school business class was that the teacher said that back in the 1980s he had received a tip to buy Microsoft stock. The teacher said: “I didn’t move on it. Had I done so, I would be worth millions.” Tyler never forgot that lesson and since them, all he could think was: “The first tip I get, I’m all in.”

College kid gets ‘big break’ stock tip from workmate Later, during his college years, he did construction work in the summer, seven days a week, 10 to 12 hours a day. He was making enough to pay for college and to put a little money aside, for what he was as yet unsure. Then one day, a co-worker said: “Hey Tyler! I got a stock tip for you.” As soon as he heard that, he recalled what his teacher had said and the promised he had made to himself. This was the first tip he had ever received, so he had to go “all in”. The tip was about a drug company that could “cure any disease”. Cancer, HIV, whatever the illness, apparently the company could cure it. So he read about it and thought: “This is it! I’m rich.” So he invested all his extra money when the stock price was at about US$1.10.

Feels like a genius as stock is up 10% in first week Within a week, the stock went up to $1.20. It was the first investment he’d ever made and he had seen a 10% gain in a week; one, he thought he was a genius. Two, he was certain he was going to be rich. He started doing calculations on his TI-83 plus calculator, trying to figure out what a 10% gain would mean in a week, in a year, and how rich he was going to be.

Stock hovers around the purchase price for a year A year went by and the stock hadn’t moved beyond the range of around $1-$1.20. He finished that year of college, returned to the construction job, made more money and continued to plough it into the stock. When the stock went up, he believed he was the smartest guy in the world. When it went down, he wanted to hide.

Stock falls to 30 cents despite all his scientific research Alas, the stock eventually went down to 30 cents, which is a considerable percentage fall for an investment. And the whole time, he was reading every piece of news and press release about the stock. He checked online forums and read reading anything he could about the science behind the stock, even though he was studying a major course in business. He read journals, and was trying to pretend he knew what he was doing and trying to reassure himself that he was involved in the right stock. He read forums and saw people question whether the science worked, and all he could think was such people didn’t know what they were talking about because he had become an expert. He knew “that this science was going to work out” and that this stock was going to deliver a big result for him.

Five years on he realizes tip will bring no gold It took probably about five years for him to see that the first tip he’s ever received was...