👉 The concept of "pennying" in finance refers to a practice where investors or speculators make investments with a small amount of money, usually less than $100. This is done as a way to minimize risk and potentially increase their returns by taking advantage of market fluctuations. Pennying can be used for short-term investing, but it's often preferred when the investment goal is long-term as it allows investors to accumulate capital over time without having to invest large amounts upfront.