Ndubuisi 'Andy' EgwimMoney Coach for Medics|Ex-NHS GP|21+ Yrs Investor| Founder, MoneyWiseDoctor.com|Helping Medics Avoid Big Money Mistakes

If You Can’t Explain Your Investment to a 10-Year-Old, Don’t Buy It

28 Sept 2026 · 1 min

Watch on YouTube

1:20

In this YouTube talk, Ndubuisi “Andy” Egwim expands on his SCRUB investing framework, focusing on the “C” component—Clarity and Confidence. He argues that investors should prioritize safety by allowing investments time to compound and avoid needing to liquidate during emergencies. Clarity, he says, builds genuine confidence, reducing reliance on viral TikTok hype, social‑media gurus, or peer pressure. Before committing capital, he urges viewers to be able to explain the investment in simple terms to a 10‑year‑old, covering five essential questions: what the asset is, how it generates returns, what could increase its value, what risks could cause loss, and what fees (including hidden ones) are involved. The talk emphasizes that confidence should stem from understanding, not from popularity or anecdotal success stories.

Chapters

Your investments shouldn't have to be sold to rescue every financial emergency. If not, it didn't give it time to breathe and compound. I see people jump straight into investing without doing some of these things. Now, sometimes it ends painfully, especially when the market goes down. So safety first. Now we are still looking at the SCRUB framework. The next one is C, clarity and confidence. Okay. So A is for Apple, B is for Ball, and C is for clarity. Because clarity is what builds confidence. The more clear you are on stuff, the more you can be confident about it. And the more genuine understanding you have, the less dependent you become on the 16-year-old dancing on TikTok while pointing at 5 stocks that are apparently going to explode next week, or the random guru telling you to buy this and it will go up. Confidence is not, my friend bought it, so I'm going to buy it, must be good. It's not, everybody's talking about it and There are viral videos about this, so I must invest in it. And it's certainly not this person on social media claimed to have made times 10, 10x their money. No, confidence should come from understanding. Okay. Before putting money into an investment, can you explain in reasonable, simple language to a 10-year-old, what exactly am I buying? How does it make money? How, what could make it more valuable? Okay. What could make me lose some or all of my money? What are the fees I'm going to be paying? Are there some hidden fees there?