{"id":84053,"date":"2024-02-01T14:53:03","date_gmt":"2024-02-01T19:53:03","guid":{"rendered":""},"modified":"2024-02-07T10:11:35","modified_gmt":"2024-02-07T15:11:35","slug":"empowered-one-influencer-guides-his-parents-through-investing","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/empowered-one-influencer-guides-his-parents-through-investing\/","title":{"rendered":"Empowered: One Influencer Guides His Parents Through Investing"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/personal-finance\/\">\n\t\t\t\t\t\t\t<span>Personal Finance<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Empowered: One Influencer Guides His Parents Through Investing<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Inspired Investor Team<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/02\/Feb_PSI_Peter-Nguyen.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/02\/Feb_PSI_Peter-Nguyen.jpg 5184w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/02\/Feb_PSI_Peter-Nguyen.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/02\/Feb_PSI_Peter-Nguyen.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/02\/Feb_PSI_Peter-Nguyen.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/02\/Feb_PSI_Peter-Nguyen.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/02\/Feb_PSI_Peter-Nguyen.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Empowered: One Influencer Guides His Parents Through Investing &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/empowered-one-influencer-guides-his-parents-through-investing\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/empowered-one-influencer-guides-his-parents-through-investing\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published February 1, 2024 \u2022 4 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Peter Nguyen<sup><a href=\"#info\" data-dig-id=\"LP-84053-9d91ee65\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1\" class=\"rbc-link-format\">1<\/a><\/sup> recalls what finances looked like in his house growing up with his parents, who came to Canada before he was born.<\/p>\n\n\n\n<p>\u201cGrowing up, they were very frugal,\u201d he says in a phone conversation with <em>Inspired Investor<\/em>. \u201cIt was always about saving more and spending less. They had fear and a scarcity mindset.\u201d<\/p>\n\n\n\n<p>Nguyen admits that the same mindset has rubbed off on him, and he often feels similar anxiety around money and spending.<\/p>\n\n\n\n<p>\u201cThey never taught me to invest,\u201d he says, \u201cbecause they were so scared of losing money.\u201d<\/p>\n\n\n\n<p>If you\u2019ve swiped through TikTok, you may have come across Nguyen, also known as @peternugget. The 24-year-old Toronto-based content creator often produces short comedic skits about his observations on life and relationships. The platform has been good to him; Peter has amassed millions of followers, and with it a healthy income. And it was his love of the platform that first got him interested in the world of investing and prompted him to consider his own financial habits.<\/p>\n\n\n\n<p>\u201cSo many TikTok creators make videos about investing,\u201d Nguyen says. Over time, I&#8217;m thinking to myself, okay, maybe this is something I should do. That I should be putting my money to work\u201d<\/p>\n\n\n\n<p>Nguyen admits that he found himself with a large amount of cash sitting in a bank account after his career took off, and he wasn\u2019t sure what to do with it. Feeling empowered by what he\u2019d seen from fellow content creators, he knew he wanted his money to work harder for him. He reached out to an advisor at his bank branch to take his first steps into investing.<\/p>\n\n\n\n<p>Nguyen then became intrigued by a professionally-managed digital investing solution, and has since turned to RBC\u2019s InvestEase online investing platform.<\/p>\n\n\n\n<p>A turning point came when Nguyen had made enough money to pay off his parents\u2019 mortgage.<\/p>\n\n\n\n<p>\u201cI think my parents\u2019 main goal in life is to just find stability and comfort and I wanted to help provide that to them,\u201d he says. \u201cIt came at a time that I had been learning more about their history in Vietnam. It made sense that they were afraid. When they came here, they had to fight to survive.\u201d<\/p>\n\n\n\n<p>As he did this for them, he realized the knowledge he was acquiring could have a profound impact on his family&#8217;s financial well-being. He understood the cultural nuances that often surround discussions about money within immigrant families. Traditionally, conservative approaches to finance prevail, with a preference for saving over investing. Nguyen saw an opportunity to challenge these norms with them and empower his parents with the tools for financial growth.<\/p>\n\n\n\n<p>\u201cI recently brought this up with them and over time I am going to work on it,\u201d Nguyen says. \u201cI want to educate them about their fears, and that it\u2019s not all about risk and losing money.\u201d<\/p>\n\n\n\n<p>Nguyen went to university to become a teacher before his love for content and social media took over. So, it feels natural to him to educate his parents with patient conversations. He is taking the time to explain the power of <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/investing-academy\/video-what-the-power-of-compounding-can-mean-for-your-investments\/\" data-dig-id=\"LP-84053-ba63ac6a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"compounding\" class=\"rbc-link-format\">compounding<\/a>, the <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/understanding-diversification-and-why-successful-investors-rely-on-it\/\" data-dig-id=\"LP-84053-6585cfd1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"importance of diversification\" class=\"rbc-link-format\">importance of diversification<\/a>, and the <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/investing-academy\/understand-investment-risk-to-know-whats-right-for-you\/\" data-dig-id=\"LP-84053-9d9b5c87\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"risks associated with different investment vehicles\" class=\"rbc-link-format\">risks associated with different investment vehicles<\/a>. Initially met with skepticism, Nguyen is persisting, using relatable examples and analogies to bridge the generation gap.<\/p>\n\n\n\n<p>Nguyen says that growing up being frugal has meant that he didn\u2019t spend money on things like travel. So now, with his newfound financial freedom, he is looking forward to seeing the world, and his investments set him up nicely for that.<\/p>\n\n\n\n<p>\u201cI\u2019m taking the steps today to create healthy habits, and to have a happy financial future,\u201d he says. \u201cI\u2019m hoping my parents will join me.\u201d<\/p>\n\n\n\n<p id=\"info\"><sup>1<\/sup> Peter is an RBC client. He has been compensated for sharing his story.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-5eb20d77-70ef-4743-835f-23da2aee8c36\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Empowered: One Influencer Guides His Parents Through Investing &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/empowered-one-influencer-guides-his-parents-through-investing\/\">\n        <img decoding=\"async\" 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class=\"wp-block-tk-spacer id-9a15f6e3-f520-4948-a1c8-e09efe4b92b1\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/personal-finance\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Personal Finance<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/relationships\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Relationships<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/savings\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Savings<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" 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wp-post-image\" alt=\"Silhouette of happy father and son play on sunset\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/06\/shutterstock_1840855456.jpg 5184w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/06\/shutterstock_1840855456.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/06\/shutterstock_1840855456.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/06\/shutterstock_1840855456.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/06\/shutterstock_1840855456.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/06\/shutterstock_1840855456.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div 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