As a 31-year-old, I find myself brimming with advice for people in their 20s. Ironically, when I was in my 20s I hated getting advice from someone older, so I am going to try and keep this post as breezy as possible. As much as your 20s are a time to enjoy life to the fullest, they are also a time to lay the foundation for the future, older you. Here are the things you should invest in your 20s –
Enjoy your 20s as much as possible but also balance out enjoyment with discipline. If you are spending your weekends eating out and drinking, make sure to eat right and work out during the week. It is also the right time to start phasing out habits like smoking (since it can take a while to beat the addiction).
Goals – working out 4-5 times a week and making sure you eat nutritional food. A full health check-up once every year.
THE RIGHT FRIENDS
You need to make friendships that go beyond partying and going out. You need to find friends that motivate you to grow, who are focused on growing themselves and who don’t look at you as competition but as partners that grow together. I’m not suggesting cutting off from the other friends you have but start being mindful of who you are spending your time with. Your time is an investment, so invest it in the right circle of friends.
Goals – To have at least 2-3 friends that you can discuss life plans with, who encourage your growth, who you can have intelligent conversations with, who’d cheer your every victory and give you the right advice.
Choose to spend your money on experiences instead of material possessions. I’m not saying don’t buy a phone if you don’t have one but don’t upgrade your phone till you absolutely don’t need to, instead opt to spend that money on travel or joining a hobby class or skilling up. You will get rid of material possessions but experiences will last you a lifetime.
Goals: Invest in experiences that will thrill you or help you grow over material possessions
BUILDING A NETWORK
This is one of those things I wish I had invested more in. I’ve always despised networking mainly because it has a negative connotation in my head – forcefully befriending people with some ulterior motive. But now I network to be able to interact with people who can help me grow in life. Over the past year, the network I had built has helped me get through so many business conundrums. I don’t mean force yourself to talk to people or force yourself to talk to seniors in your organization. But when the opportunity arises make the best of it and interact with people that make you feel comfortable. Again, don’t be a kiss ass or force a connection.
Goals: Build a network that you can reach out to for help and advice
MAKING YOUR MONEY MAKE MONEY FOR YOU
Saving and investing should be the first things you do when your salary gets credited. If you are earning decently enough, rule of the thumb should be to save and invest 50% of your salary. If you are unsure about where to invest, talk to older siblings or friends or colleagues that can guide you on where to start.
Goals: Save and invest at least 50% of your salary
Definitely enjoy your carefree 20s but also make sure to keep these investments in mind. If you start early, it only makes being more disciplined easier when you get older. Hope this advice helps you. What is a piece of advice that you’d give to your younger self?
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