My Investment Advice For People In Their 20s

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 –


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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.


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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.


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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


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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


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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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12 Comments Add yours

  1. Storyteller says:

    I agree. Some good tips. As we all know when your 20 it might be a bit hard to save 50%. Especially if your renting. Here’s a tip someone gave me. If you are trying to save and your friends keep asking you out. Don’t say “I can’t afford to go out”. Instead say “Oh sorry man I’m busy”. That way you don’t look like you are a loser only that you are popular. Word well for me and so glad someone filled me in. I was getting sick of telling people I couldn’t afford to go out.

    Liked by 3 people

  2. This is all fantastic advice! I can’t think of anything to add. Except maybe I’d tell my 20 year old self to take more chances in love and not be so scared of heartbreak because it’s gonna happen anyway, so you might as well get it over with!! 🤣 And that’s not because I’m cynical about love. I just don’t think I realized that heartbreak is an integral part of a love path and almost no one can escape it. I actually thought I could, for years and years I thought I could. And it got me in the end anyway, but I’m glad for this. I just wish I would’ve dove in sooner. Because the sooner you dive in, the more you learn and the more ready you become for the real deal. So why wait? But I did my best at the time! ❤️‍🩹🙏💖🌺😬☺️🤣

    Liked by 4 people

  3. Yuri says:

    this is really great advice 👍🏽 I really appreciate


  4. I don’t like networking with ulterior motives either. A good book I read was Superconnectors. It’s a great source of how to network, but without ulterior motives


  5. Jas krish says:

    Well said 👌👌


  6. bosssybabe says:

    I love that your advice isn’t all about money but it includes financially smart tips! Health is so important and I realize so much of our later years is related to stress which is a huge killer of overall health. I also heard someone say that when we “invest in experiences, we have the ability to relive those memories over and over again” as opposed to a material good we choose to spend our hard-earned monies on! Great tips, Moksha! 🙂

    Liked by 1 person

  7. Great advice!!
    Terrific blog, keep sharing and remember to smile.


  8. mterrazas32 says:

    I would have told my 20 old self to learn about investing and retirement. If you are in your 20s today you are lucky, with the internet and apps you can start investing with just a few clicks. Great advice.

    Liked by 1 person

  9. petespringerauthor says:

    I’m glad you offered young people advice about saving. My wife and I started putting some money away in our 401K, beginning with the second year of our marriage and careers. We still had our share of fun, but it allowed us to retire at a young age.

    Liked by 1 person

  10. Great advice right there
    I have not been consistent with exercising but I’m so glad a week does not pass by without at least two sessions of workouts,🤣🤣
    Since the pandemic and the lockdown, I’m very big experiences. I spend my money on things that I love and it has given me more fulfillment and meaning. And yes I’ve been saving 30% of what I make from different jobs I do. Thank you so much for the tips Moksha

    Liked by 1 person

    1. Happy Panda says:

      Girl, as long as you’re getting in some work out – it’s a great starting point.
      And I’m so glad to hear that you are focused on saving. It’s so important to do in your 20s. ❤️

      Liked by 1 person

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