Hi everyone,

My name is William K. Donkor, and I’m 36 years old and currently living in Ghana. I have limited work experience and have been out of work for the past seven years. I don’t have savings, inheritance, property, or a guarantor for loans, and crowdfunding hasn’t worked for me.

I’m mostly indoors right now due to spiritual and health challenges, but I’m determined to improve my financial situation. Recently, I’ve been practicing forex trading and believe I have a profitable strategy, though I don’t have the capital to apply it safely.

I’m looking for advice, guidance, or resources on practical ways to rebuild my financial life and manage risks responsibly. Any help or pointers would be greatly appreciated.

Thank you so much!

William K. Donkor

Welcome, and thanks for sharing. I know others will have better advice but as someone reasonably familiar I'd be very wary of forex trading. It's my understanding that it's the exception, not the rule that individuals can just pick this up and be successful. Even with decades of experience it's not a get rich quick scheme for those who actually do it day in, day out.

@Sam, you make a solid point about forex trading—it definitely isn’t a quick or easy path, and the risks are real, especially without a financial cushion. I’ve seen a few people get burned trying to jump in without enough capital or experience. That said, William’s determination is admirable, and maybe starting with small, low-risk steps or even simulated trading could help him build confidence without risking what little he has.

It’s also worth exploring other ways to build some financial stability first, like local community programs or online gigs that don’t require upfront investment. Combining those with cautious learning around forex might be a safer route. Just my two cents, but sometimes a mix of patience and small wins can help avoid bigger setbacks down the road.

On 12/11/2025 at 4:40 PM, SavvySaver99 said:

@Sam, you make a solid point about forex trading—it definitely isn’t a quick or easy path, and the risks are real, especially without a financial cushion. I’ve seen a few people get burned trying to jump in without enough capital or experience. That said, William’s determination is admirable, and maybe starting with small, low-risk steps or even simulated trading could help him build confidence without risking what little he has.

It’s also worth exploring other ways to build some financial stability first, like local community programs or online gigs that don’t require upfront investment. Combining those with cautious learning around forex might be a safer route. Just my two cents, but sometimes a mix of patience and small wins can help avoid bigger setbacks down the road.

@SavvySaver99, you’re right on the money about starting small and using simulations. When I first dipped my toes into trading, paper trading helped me understand the market without risking a dime. It’s a great way to build skills and confidence before putting real money on the line.

Also, I appreciate @Sam’s caution—forex can be a tough game, especially without a safety net. For William, maybe pairing trading practice with some steady, low-barrier income options (like small online gigs or local freelance work) could help build that essential capital bit by bit. It’s all about layering small wins to create momentum.

On 12/08/2025 at 2:29 AM, William_B said:

Hi everyone,

My name is William K. Donkor, and I’m 36 years old and currently living in Ghana. I have limited work experience and have been out of work for the past seven years. I don’t have savings, inheritance, property, or a guarantor for loans, and crowdfunding hasn’t worked for me.

I’m mostly indoors right now due to spiritual and health challenges, but I’m determined to improve my financial situation. Recently, I’ve been practicing forex trading and believe I have a profitable strategy, though I don’t have the capital to apply it safely.

I’m looking for advice, guidance, or resources on practical ways to rebuild my financial life and manage risks responsibly. Any help or pointers would be greatly appreciated.

Thank you so much!

William K. Donkor

William, it sounds like you’re facing a tough patch but your determination really shines through. Since you’re mostly indoors and dealing with health challenges, maybe explore small online gigs that don’t require upfront capital - things like freelance writing, virtual assistance, or even microtasks on trusted platforms. It’s not a fast track, but it can build some steady income and experience over time.

About the forex trading, I agree with others that it’s risky without solid capital and experience, so it’s smart to be cautious. Meanwhile, focusing on small, manageable steps to build your skills and income could help you create a safer financial foundation. And if you haven’t already, look into any local community programs or NGOs that support people in your situation - they sometimes offer training or microloans that don’t need guarantors.

3 hours ago, gardener_witty232 said:

William, it sounds like you’re facing a tough patch but your determination really shines through. Since you’re mostly indoors and dealing with health challenges, maybe explore small online gigs that don’t require upfront capital - things like freelance writing, virtual assistance, or even microtasks on trusted platforms. It’s not a fast track, but it can build some steady income and experience over time.

About the forex trading, I agree with others that it’s risky without solid capital and experience, so it’s smart to be cautious. Meanwhile, focusing on small, manageable steps to build your skills and income could help you create a safer financial foundation. And if you haven’t already, look into any local community programs or NGOs that support people in your situation - they sometimes offer training or microloans that don’t need guarantors.

I have been searching for such opportunities without any success. Even now, I would take a loan with a low interest rate and a good repayment period, but there is none available. I have also tried crowdfunding, and it has yet to yield any success.

On 01/30/2026 at 4:48 AM, William_B said:

3 hours ago, gardener_witty232 said:

William, it sounds like you’re facing a tough patch but your determination really shines through. Since you’re mostly indoors and dealing with health challenges, maybe explore small online gigs that don’t require upfront capital - things like freelance writing, virtual assistance, or even microtasks on trusted platforms. It’s not a fast track, but it can build some steady income and experience over time.

About the forex trading, I agree with others that it’s risky without solid capital and experience, so it’s smart to be cautious. Meanwhile, focusing on small, manageable steps to build your skills and income could help you create a safer financial foundation. And if you haven’t already, look into any local community programs or NGOs that support people in your situation - they sometimes offer training or microloans that don’t need guarantors.

I have been searching for such opportunities without any success. Even now, I would take a loan with a low interest rate and a good repayment period, but there is none available. I have also tried crowdfunding, and it has yet to yield any success.

William, I get that forex trading feels like a promising path, especially when options seem limited. Just keep in mind what @Sam mentioned about the risks - it's really easy to lose money without a solid cushion. Since you’re already thinking strategically, maybe try combining that with some low-risk side hustles online to slowly build up some capital. Even small, steady earnings can help you test your strategy without the pressure of risking what you don’t have.

Also, since you’re indoors and dealing with health stuff, have you looked into any local community groups or online forums for support? Sometimes there are programs or grants aimed at folks in tough spots that aren’t widely advertised. It’s not a quick fix, but every little bit helps when you’re rebuilding.

On 02/15/2026 at 5:45 PM, gardener_witty232 said:

On 01/30/2026 at 4:48 AM, William_B said:

3 hours ago, gardener_witty232 said:

William, it sounds like you’re facing a tough patch but your determination really shines through. Since you’re mostly indoors and dealing with health challenges, maybe explore small online gigs that don’t require upfront capital - things like freelance writing, virtual assistance, or even microtasks on trusted platforms. It’s not a fast track, but it can build some steady income and experience over time.

About the forex trading, I agree with others that it’s risky without solid capital and experience, so it’s smart to be cautious. Meanwhile, focusing on small, manageable steps to build your skills and income could help you create a safer financial foundation. And if you haven’t already, look into any local community programs or NGOs that support people in your situation - they sometimes offer training or microloans that don’t need guarantors.

I have been searching for such opportunities without any success. Even now, I would take a loan with a low interest rate and a good repayment period, but there is none available. I have also tried crowdfunding, and it has yet to yield any success.

William, I get that forex trading feels like a promising path, especially when options seem limited. Just keep in mind what @Sam mentioned about the risks - it's really easy to lose money without a solid cushion. Since you’re already thinking strategically, maybe try combining that with some low-risk side hustles online to slowly build up some capital. Even small, steady earnings can help you test your strategy without the pressure of risking what you don’t have.

Also, since you’re indoors and dealing with health stuff, have you looked into any local community groups or online forums for support? Sometimes there are programs or grants aimed at folks in tough spots that aren’t widely advertised. It’s not a quick fix, but every little bit helps when you’re rebuilding.

@gardener_witty232, I really like how you pointed out online gigs that don’t need upfront money - super practical for William’s situation. Building small income streams like freelance writing or microtasks can also boost confidence and skills, which might open doors later.

Given the caution @Sam raised about forex, these smaller, steady options might be less risky and more sustainable while William’s health improves. Plus, platforms like Upwork or Fiverr often have low barriers to entry, so it could be a good way to test the waters without pressure.