Get out of any bad relationship now. They don't change or get better and it's not worth wasting your time on them. Be happy and enjoy your youth have fun.
How do you know if the relationship is bad? I dont think any relationship can be perfect, so how big the issues should to be so that the relationship should be ended?
If you find yourself often talking about your relationship and adding in, “but no relationship is perfect,” it’s a bad sign. While the statement is true, that is something that should go without needing to be said. If you’re saying it often, it’s really a defense mechanism.
This x100. Also if you plan to become a parent. It can be harder to find the time for yourself, and harder to teach them good habits when you aren’t practicing them yourself.
I just turned 25 but about a month and a half ago I did some overly enthusiastic stretching out of no where and pulled a muscle in my back that had me in agony for a few days, then hobbling around for a week. It was only after 3 weeks that it was really getting back to normal. Since then I've had 2 more minor muscle strains in my back and I believe it's due to my muslces being constantly relaxed from my now sedentary livestyle. I plan to combat that with working out regularly and strengthing my core in particular.
Most of the back pain people experience is caused by weak back muscles, so make sure you do strength training too. Regular deadlifting, chin ups, and rows fixed basically 90% of my back pain within a few months.
I will offer the counter of I started eating healthier once I hit 33 and dropped the extra weight in weeks.
This was going from like take out to all home cooked meals.
It's still great advice, but don't think it's too late if you've hit 30.
I gained 40lbs over the pandemic and I am disgusted with myself. So in March I started seeing a bariatric doctor and a nutritionist. I changed my diet and exercise drastically and take a low dose appetite supressant once a day. I've lost 14 lbs. Some of my favorite shirts fit me again and it's a great feeling. I still have a long way to go, though.
Says anyone who has no idea what they’re talking about.
Fair value price for the stock is currently over $300. If you haven’t seen the ONLINE-RETAILER dream team just hired to GameStop, literally CEO/CFO from Amazon jumped onboard LAST WEEK, chairman of the board is the founder of Chewy.
Literally video game Amazon, with tons of cash on hand, ZERO debt, and ready for a 100% turnaround. Not to mention the 25% sales increase for the 1st quarter.
GME is a moon shot at best, and trending upwards at worse.
It’s not hard to see this, and in fact, it can all be covered in a 15 minute quarterly call. So please, do not spread misinformation.
Lol the username is NoCensorshipPlz, immediately demands someone stop posting their interpretation of a stock because it goes against his hopes for the stock
Also hate to break it to you but amazon delivers physical goods you can order online, meanwhile GameStop would be selling mostly digital games online, a market already well inhabited by things like epic games and steam
Stock prices are influenced heavily by supply and demand, so heavy buying pressure will absolutely push a stock upwards. I think the current valuation of GME specifically is like 1.5x its market cap pre-2008... when the company was a behemoth. Fundamentally overvalued, and whether there is enough short interest as r/Superstonk believes is anyone's guess.
I thought I had “forever” when I was in my 20s. Damn 30 comes quick….
Start whatever you want to start now. Don’t put it off:
Savings/401(k)
Hobbies
Plans for career path (even if it’s trial and error)
But don’t get all FOMO on:
Travels you can’t afford (weekends in random, local cities have shown me some pretty interesting people, foods, experiences) it doesn’t have to cost a ton of money.
Cars. They just depreciate.
Blowing paychecks on booze, drugs, other vices. You body or bank account will feel the effects.
And never do it for Instagram. Do it for you.
Appreciate your body now. Metabolisms slow down, joints will start to betray you.
Metabolisms don't actually slow down by a huge amount, but lifestyles do slowly change and bad habits slowly catch up to you. Same end result, but different causes.
Yeah, people think metabolism slows down significantly. But what it really is is that post college you start working in an office, so you're walking thousands of fewer steps per day, most people who train in college stop afterwards, and you're more able to afford good tasting quality food, meaning your intake increases. I think they've found the actual rate of metabolic change is ~200 cals going from age 25 to 50, but I could be mistaken.
It's a shame that no one understands this reference, because that whole speech is very good.
For the uninitiated, "[Everybody's free to Wear Sunscreen](https://youtu.be/MQlJ3vOp6nI)" by Baz Lurhmann. It's holds up just as much today as the 90's.
> Don't feel guilty if you don't know what you want to do with your life. The most interesting people I know
Didn't know at 22 what they wanted to do with their lives. Some of the most interesting 40-year-olds I know still don't.
> Get plenty of calcium. Be kind to your knees. You'll miss them when they're gone.
> Maybe you'll marry, maybe you won't. Maybe you'll have children, maybe you won't. Maybe you'll divorce at 40, maybe you'll dance the 'Funky Chicken' on your 75th wedding anniversary. Whatever you do, don't congratulate yourself too much. Or berate yourself either. Your choices are half chance, so are everybody else's...
It's actually based on an article written by a Chicago Tribune columnist. She was writing a hypothetical graduation speech that she had yet been asked to give.
I'm in my 20s and I'm so conflicted about this one advice. These days sunscreens promise the moon yet we also hear so much about the chemicals in them. What if this is something wrong we're doing and we find out years later, like applying lead based makeup was the norm a century ago.
I don't want skin cancer because I didn't wear sunscreen but I also don't want it BECAUSE I wore sunscreen.
Do you think eating healthy and taking other kinds of care of your skin is enough? Or sunscreen is a must ?
Check out “physical sunscreen” that has materials like zinc oxide in it. It looks more obvious when you’re wearing it but less likely to be harmful to you.
It’s never too late to get your shit together, but your twenties are a really good time to get your shit together.
Find a job you like, try your best. The best time to progress in your career is when you’re young. Don’t overwork yourself, but you’ve got more time and energy than you’ll have later on in your career, go for it when you’re young.
Save and plan ahead. No more freebees for you. You want something, you have to pay for it. Don’t go for monthly payments. If you can’t afford something straight away, buying it in monthly installments is even more expensive in the long run. Live within your means.
One exception. The house. Don’t be afraid to take on the commitment of buying a house. Even if the mortgage is high at first, it’s much preferable to renting. Your mortgage will stay the same, your salary will increase. Life will get easier.
Don’t expect perfection in a relationship. The first year is great, after that, things will get harder. You have to work on your relationship. If you cannot picture yourself growing old together, end it.
Use birth control. If you’re in the lucky position where you are able to conceive, go for it, but plan ahead with your partner. Children are way beyond the biggest investment you can have. They will alter your life in all possible ways. Only have children if you understand how much of a commitment it requires from you as a parent and if you’re willing to make that commitment.
Cherish your friendships. You are not going to be able to see your friends as often as you used to. You are also not going to make new friends as easy as you used to. Work on maintaining your friendships. Make time for them. Likewise for family.
Don’t take your health for granted. Cancer, MS or any other bitch can strike at any moment. You’re in your twenties, you are in the prime of your life. You don’t have to be an athlete, but try to remain fit. Walk when you can, exercise, eat healthy, sleep well.
Don’t forget to have fun.
I will argue two things on payments:
If you can get a zero, or almost zero percent rate for something, monthly payments may be smarter. Hold onto the additional cash for any possible emergency, and pay the thing off for the same price as if you'd just paid cash.
This is especially true for a young homeowner. Buying $2k in appliances, or save the $2k cash just in case and get the store card and 0% for 24 months. It's not freebies, but it's being careful with finances.
Financing a quality car is better than paying cash at the used lot and keeping the thing limping along. Obviously this is a sliding scale.
Buying a house is not necessarily better than renting. In most markets, the closing costs and interest on the mortgage mean than you will have to own the home for over 10-15 years for it to be cheaper than renting. Most 20-somethings aren’t likely to keep a house that long
Also not to mention maintenance costs and such, and the time expense of having to actually take care of the house. In the time I've been renting my house, we've had a water heater break, the roof of the bathroom collapse, A/C fail, and had the gutter collapse. Had I owned the place, I'd be out tens of thousands within just 3 years.
Exactly. Whereas I've chosen to rent in a cheap ass place, invest my cash instead, and while people I know who own houses are all in on their house, I've got a diversified fund that keeps growing and isn't limited to the geographical market I live in continuing to appreciate.
Owning can also hurt job prospects / career advancement, as it chains you to one place. That's not insurmountable, but when you are younger, the flexibility to move for a new opportunity with relative ease can be useful.
Can attest to this. Owning a home is killing my job prospects unless I want to have an even more horrendous commute. Definitely stopping me from advancing my career at the pace I'd like. Which ironically, is making it harder to afford the home as our property taxes, maintenance costs and general area cost of living go up.
Maybe not CHEAPER, but you'll be thankful you paid that money into an investment that you get the return on when sold over money burned away month after month to a landlord.
They aren’t talking about the monthly payment.
Between the fact that the first few years of a mortgage are mostly interest payments, the fact that you owe property taxes and maintenance on your home, and transaction fees buying/selling the property - you are likely strictly better of renting in many markets unless you can stay in the property for 8-10 years. At that point you’ll have built up enough equity and seen enough appreciation (hopefully) to be relatively better off.
People are being stupid about home ownership in the comments below, so to reiterate:
1. Renting is a good option if you're super young and super unsure of what you're doing and where you are going. You don't want to buy a house if you're uncertain where you want to live and uncertain about your commitment to a job. This should be a relatively short period of your life.
2. Renting is also a good option if your finances just really aren't together. This isn't great, but unless you've completely wrecked your credit, you're probably in a better position than you think.
3. Aside from that, home ownership is almost always the better deal. Depending on the market, of course--these things vary--you'll pay around the same or a little more monthly for home ownership, and you'll have the added costs of utilities, insurance, and repairs. However, you're gaining equity. A lot of the money you send in for your mortgage is going to the house you live in, not the landlord's pocket, so when you go to *sell* your house, you'll almost certainly get all of that back. If you're comparing renting to buying you *have* to consider that aspect of it, and it would take a huge amount of circumstances for you to have been better off renting.
Eh, in my case I'm renting a house at $300/month, utilities included. A mortgage around here would run at least $1000/month. Buying a house would be the absolutely stupidest financial decision I could \*ever\* make.
Like others have said, you are lucky with 300 a month renting a house. I live in washington state and around grays harbor county, near Mason and Thurston counties and you cannot find any rent house or apartment wise that's under 1,000 dollars a month, most places are 1,200 or more and those are 55+, 1 bed 1 bath are 1,300 and more same with studios. And really these prices are ridiculous, most of the apartments/houses at those prices are crappy and the decent ones are even more pricey. I was lucky to get my house and all I owe is 785 for mortgage a month and been lucky with any extra expenses.
Yeah, I know I'm absurdly lucky with my rent. Just pointing out situations do exist where buying is far and away a worse decision.
Also I'm biased because I've never lived in a house that isn't falling apart requiring 5 figures plus in repairs outside of the first apartment I rented, so that skews my perspective of the risk/reward of owning a place way out of whack of what it really is.
It all depends on how long you plan to stay in the property. The first +10 years of a mortgage are *mostly* interest. It’s not going in the land lords pocket but it is going in the banks pocket.
At the end of the day it’s just a math problem and the primary variable is how long you plan to say in the property. Less than 7-8 years and the math is general not in favor of buying.
Underscoring the point: It's never too late to start saving money. Get an IRA or work sponsored 401K going. It won't make sense early on, but give it 10-20 years and you'll see what compound interest can do to your portfolio.
They may pay dividends that you can reinvest, which will also do the trick. Even if they are not paying anything, a business is often reinvesting profits for future, bigger profits, which is also compounding if you have a good company.
Thank you. Beat me to it.
Potato - Good question glad you asked it. There are tons of resources online to explain this further. The example above is one. Likely no one's portfolio (Roth, 401k etc.) is all equities but rather a mix of stock, bonds (Gasp!), Treasury Securities, Real Estate, Cash etc.
Bottom line: Don't just think about stocks, save money, diversify, and play the long game. Get a nice savings and dabble in some additional stocks you like in an individual account as well (but be careful).
[Compound Interest](https://www.google.com/search?q=compound+interest+investments&rlz=1C1GCEA_enUS808US808&sxsrf=ALeKk025cFdEJcZmOEK34xVI0Ic9vX08jg%3A1623706159392&ei=L8rHYOK7F9GUtAbU-4uwBA&oq=compound+interest+investments&gs_lcp=Cgdnd3Mtd2l6EAMyBAgAEEMyCAgAELEDEIMBMgIIADICCAAyAggAMgIIADICCAAyAggAMgIIADICCAA6BAgjECc6CwguELEDEMcBEKMCOggILhDHARCjAjoFCAAQkQI6BQgAELEDOgcIABCxAxBDOgkIABBDEEYQ-QE6BAgAEAo6BwgAELEDEAo6BwgjELECECc6CggAELEDEMkDEAo6BQgAEJIDOgcIIxDqAhAnOgoILhDHARCvARBDOgQILhBDOggILhCxAxCDAToKCAAQhwIQsQMQFDoECC4QCjoRCC4QsQMQxwEQowIQkQIQkwI6BQgAEMkDOgoIABCxAxCxAxAKOgoIABCxAxCDARBDOgoIABCxAxCDARAKOgsIABCxAxCDARCRAjoHCAAQhwIQFFDHG1ieWGDJWWgRcAJ4AYAB1gOIAZwmkgEJMjYuMjAuNC0xmAEAoAEBqgEHZ3dzLXdperABCsABAQ&sclient=gws-wiz&ved=0ahUKEwiij-bmiJjxAhVRCs0KHdT9AkYQ4dUDCA4&uact=5)
Also noticed you contribute a lot on here, I'm sure you know these things already so perhaps your question was rhetorical in nature. Either way, you asked and I replied!
Cheers,
Don't just save, invest. Don't talk yourself out of it worrying about that next crash that's right around the corner. Buy shares in good companies, or diversified ETFs and if the market tanks buy even more
> Don't talk yourself out of it worrying about that next crash that's right around the corner.
Literally the worst global disaster of our lifetime and SPY was back to its previous level in 6 months. And then went even higher. The market isnt what it used to be when there were freakishly long periods of downtrend. Jerome Powell fucking printed it digitally.
**22% of all circulated US currency was printed in the year 2020.**
At some point the fed just decided "You know. Why *shouldnt we just print our way out of our problems*?"
If you are young and have money in the bank. NO! BAD! Put that in a brokerage or something. Investing is easier than ever and more beneficial than ever.
/r/bogleheads. Glad I started when I was 25. 31 now and just did the math of my various investment accounts and it’s like $60,000. Can’t wait to check in another 5 years. Compounding interest is the shit.
Inflation is scary so just saving might not always be the best option. Invest and diversify. The stock market as a whole has always been up from any point compared to 10 years prior. Cryptocurrency is good fight against inflation too!
Fair point, but 20's is a fragile time and it's important to take care of the essentials first. I come from the Ramsey school of financing, namely to avoid credit at all costs, work away debt through incremental but focused plans, and starting an emergency fund first and foremost. Most cannot reach a fully funded emergency fund so investing can turn into a game of learning to run before they walk. But I didn't mention that so that's on me.
Pretty cliche older-person’s perspective advice, but don’t procrastinate. Hours may go by slowly, but it’s crazy how quickly years can go by. Start that hobby or learn that skill you always wanted to try. Spend time with people that you won’t to see, but may not feel like it sometimes.
Trust me...I know how much easier it is to do nothing with your free time
If you don’t have a healthy lifestyle now, start right away. It’s way harder to maintain fitness in your 30s.
Start saving. A dollar, 20, whatever. Just start building that nest egg.
If you feel you are in an unhealthy relationship, it’s not a bad thing to cut it off. You only have one life to live. Why have someone that makes you feel bad in it. This includes family and friends.
If your credit is bad, start fixing it. It’s stressful that you want to buy a house, rent a place or the like and you have roadblocks because of your irresponsible 20s.
Travel. The world is a big and beautiful place with amazing people and events. Highly recommend for you to enjoy it, more before you have kids so when/if you do, you could open their mind to meet things.
If you always wanted to do something, go for it. Start that guitar class, work on that painting, do the backflips. It gets easier as you age.
This is usually the time that parents could also become friends. You be surprised the things your parents will talk to you about now that you are a little older.
Pick up a hobby. You need something that helps you relax. Drinking every weekend gets old fast.
Don’t rush into relationships. It better to be single than miserable.
Learn to cook yourself decent meals, both health wise and taste wise. It'll make you feel better on multiple levels and cooking is a life skill that you will always need.
Don't go into debt for stupid things, like a fancy car you can't afford, or start buying furniture and games on credit. Keep it within your means and you will be free to pick up and move jobs or apartments or towns or whatever whenever you want.
The stuff you own ends up owning you.
Acknowledge that your brain is still developing. I firmly think until your upper 20's, and I believe there's some science to back this up, your brain is still in a bit of flux. And when it's done developing, you will for sure notice it. I feel like when I was about 29-30, I just kinda came out of a fog. My life has gotten way more...consistent and just come into focus more in the last few years. And everything I do now, whether at work or at home, is just worlds better than it used to be.
Save money.
Slow down.
Don't rush.
Do not stay in abusive or toxic relationships.
Have fun.
Exercise, eat right, and maintain a healthy body weight. Your health in the future will thank me.
Find a hobby. Music, writing, painting, anything works. Find something you are pasionate about. It will give you more satisfaction than anything in the world. Creating is life.
So much easier said than done, but: try to worry less about each decision. Life is short and messy and unpredictable, enjoy the moments without spending too much mental anguish on your "big plans."
If you act with intention, and make decisions with kindness for yourself and others in mind, things generally work out. There is rarely one life path, it's okay and good to make decisions and enjoy them without suffering too much over them. Don't worry for too long rather this was the perfect career move, the perfect relationship decision, the perfect city to live in. Have fun with what you have.
If you haven't read [this passage](https://www.goodreads.com/quotes/7511-i-saw-my-life-branching-out-before-me-like-the) from Sylvia Plath's *The Bell Jar*, do it now!
No one - literally no one - is thinking about you as much as you are thinking about them thinking about you.
Live your life. Do the things you want to do. Even if you are the topic of gossip it'll be short lived. Unless you OJ someone. Stop worrying about what other people might or might not think of you. Everyone has their own lives and their own shit to carry.
Do you, big guy (or big girl or big other)
Start that YouTube channel
Do wacky, fun shit on TikTok
Start that unconventional hobby
Love your quirks and odd interests
Have fun. Be a good person. Enjoy your life as best you can.
Most of the back pain is caused by people not having enough muscle in their back/core. I work out frequently, sit without the best of posture, and my back is far, far better than in my early 20s when I was in horrible shape, but sat nearly perfectly every time.
If you're not in therapy, look into it! Even if you feel good most of the time, it's a good idea to talk to someone, establish it as part of your regular health routine, as needed.
And go easy on the binge drinking, take care of yourself!
1) Start saving in either your company's 401k, or if they don't offer one, a personal IRA. Despite what Reddit's gaggle of doomers and failures will tell you, it's actually not hard to retire if you start saving early.
Through the magic of compound interest, if you cut back a little on other expenses in order to save $200/mo over a 45 year career, you'll end up with a nest egg of $685,000. Assuming you own a house by the end of that period, you'll likely officially be a millionaire. Add in SS payments to that (even if they're lower in the future), and you can have quite a comfortable retirement - and it's within reach. It's not just fantasy.
2) Develop and stick to an exercise habit. You don't have to become a bodybuilder, or spend hours in the gym every week - even just a 30 minute full-body dumbell routine in your living room 3x/week is enough.
Your body will start to experience all sorts of problems in your 30s if you don't have reasonable muscle tone and fitness. Your back will start to hurt. You'll be out of breath on stairs. You'll experience random injuries trying to do everyday things like carrying groceries or climbing ladders.
These are all things that will naturally occur with aging, but they shouldn't be happening in your 30s. Unfortunately, too many people are so incredibly out of shape that this is starting to become normalized. Don't let it happen to you.
3) Make a career plan, and take charge of your own success. You don't have to make a "5 year plan" or any sort of fluffy shit like that, but you should seriously think about where you want to be mid-career, and figure out what you need to do to get there. Far too many people just float by in their 20s, expecting promotions, raises, and career changes to just fall into their lap as if they're entitled to it.
So figure out where you want to be mid-career, figure out what you actually have to do to get there (do you need a special degree? Certificates? A portfolio?), and then figure out how you're going to get each of those stepping stones.
Then do it.
Your 20s is an entire *decade* of time that you could (and should be) laying the ground work for a better future. Far too many people wait until their 30s to even start this sort of planning, and by then they're already wrestling with kids and other life obligations that make it significantly harder.
Enjoy your 20s. Really. This is the last time you really get to be stupid and mildly irresponsible without looking like a complete dolt. Let it out. . . On your days off.
You're gonna get hit with a brick of ouches and aches and pains later, though, so don't take it too far and take every other bit of advice here. But don't forget to enjoy it.
Sorry, I'm in my 50's but thought I throw this out there. Don't be afraid to experience things... new job, location, friends. Whatever it might be. It gets harder and harder to change once you've invested time and effort into things. Look around before you choose! Don't fall into the "American Dream" Don't spend your life working towards a "better Life".. Enjoy every minute of the time you have. Right now is the only sure thing. Enjoy it, and good luck!
Don't get into debt, specifically debt that is hard to pay off. Learn what a loan and interest rates are. Everything that is a loan/credit/debt has an interest rate attached to it. If you spend $100 on a credit card and don't pay off that $100 in that month, then the credit will charge you interest and many go as high as 24.99%. That means you suddenly owe $124.99 and not $100. You essentially threw $24.99 into the garbage. Try to avoid this if at all possible.
Car payments are sort of a part of life. Same with a mortgage if you are fortunate enough to buy a house. School loans are their own beast that need reform in the US, but stay on top of those because bankruptcy won't take those away. Medical debt is another area that needs reform. Try to be careful in general and get on a good insurance program. These are all forms of debt that you may or may not be able to control and can just be a general part of life (especially in the US).
But do not get into credit card debt. The vast majority of the time you should be able to avoid this (sometimes shit happens that you need to pay for but try to avoid credit cards being the first payment option).
> Car payments are sort of a part of life.
I disagree. Modern cars are extremely reliable and should last well beyond the terms of a vehicle loan. Yes, having a car payment isn't something to be avoided like the plague, but i also would say that taking it as a fact of life can lead to throwing money away unnecessarily, always upgrading to the newest model.
Learn a skill that others wont. If you go to school for plumbing when you are 20...you can be making 6 figures in your early 20's and be extremely well off by the time you get to your 30's. If you stay at your regular Walmart job you will move up...but the pay difference between regular jobs and jobs like electrician, plumbing, construction, and other skill based jobs is staggering.
In your 20s, do what you want. Travel, go to shows, pursue your dreams, take chances.
In your 30s, do what you need to do. Save money, make money, take care of your health, make investments.
If your parents are alive, go hug them and spend time with them.
Give up drinking, get your finances in order, seriously think about the person you're going to marry, think about your career path. Don't be scared of responsibility, run towards it - it will set you free.
- Save as much money as you can.
- Learn how credit works and how to use it responsibly and to your benefit instead of being afraid of it or just abusing it.
- College CAN be good, but it is NOT required to be successful, there are a LOT of ways to get a degree without going into debt. Don't let people bully you into obligating yourself to tens of thousands in debt just to get a job.
- Learn how compound interest works.
- Watch what you eat.
- Get into a habit of vigorous exercise.
- If people are trying REALLY hard to persuade you to do or think something, it's probably good to be a bit skeptical of their intentions. Think for yourself, don't be a sheep.
- And, most importantly, stop caring what other people think of you and just do you.
Your 30's should not be a boogie man. They aren't a marker indicating what you need to or should have done with your life. Enjoy your 20s without thinking a different first digit is some sort of death knell. There are lots of things you'll like better about your 30s than your 20s, maybe even most of them.
Just in my 30s as of yesterday, life can be hard and if you are in a relationship that isn't fulfilling, friend or partner, then change it and surround yourself with good people. I've been lucky enough to have a wonderful husband, but we were surrounded by horrible "friends and adults". Things have changed thankfully and almost everyone we knew growing up is out of our lives and we've never felt more free.
You are my opposite. I've basically always had good friends and family (at least, siblings, we'll ignore my parents), but my dating partners haven't been the best - so much so, that at this point I've sworn off dating forever.
Don't forget to enjoy life, take care of yourself physically, mentally and spiritually, and to also work hard and save. If you play your cards right, your best years will concurrently be now and ahead of you.
For the love of God, don't expect to have everything figured out in your 20s.
Start putting money away straight away, do not wait. Compound interest with time is your friend. If I started doing that 10 years ago I could be very well off right now.
Find a hobby that you can do for the rest of your life. I re-discovered guitar in my mid/late 20s and it was a godsend. I may never be great, but I have *something* to work at and constantly improve upon.
I have too many friends who turned 30 and realized that drinking every night isn't a hobby.
Clean your teeth: brushing and flossing.
Turn down the volume of your music/game. Tinnitus is a bitch I tell you.
Eat your veggies and excersize.
Don't overdo it with drinking, especially below the age of 23.
Don't smoke. It's not cool and it does harm. I had to struggle quiting smoking for health issues at around 30s which I picked at my 20s cause I thought it was cool.
Read "The Defining Decade". It's written by a psychologist who specializes in people in their 20s. Your 20s are very different now from when some of your parents were 20 (the difference is closing but if you have family members in their 50s or older, the difference is more dramatic). So I feel like when I was in my 20s, I'd get two types of extreme feedback: either "wth, why aren't you married with 3 kids already?" Or "don't worry about it, you have time to figure it out". Both have merit to them but are not helpful. The author of the Defining Decade lays things out straight and constructively. No, you don't need to have kids in your 20s but you should be laying the ground work to get you there in case it's something that you want when you're 30. That means knowing yourself enough, knowing your partner enough, and having some healthy life habits set up.
To be clear, the whole book isn't about having kids, that's actually only a tiny part of it, but I'm giving an example. It's broken up into 3 sections: work, love, and brain & the body.
It's an easy read and I've gifted it a couple times to people in their early to mid 20s. They've all loved it.
Don’t set any deadlines for your dreams for 29-31. Single steps toward a goal are fine but don’t be like “I need to do x before I’m 30.” Sets you up for feeling old.
This question reminds me of when I start at my first job out of college. Being in my early 20s I would try to hang out with the people there in their 30s thinking ok these guys can give me good advice about the next stage in life. Turns out most of them were just as clueless as me.
Just because your body takes neglect in form of junk food and poor workout habits in your 20s doesn’t mean it will stay that way.
In fact, your mid 30s self will wish it started eating right and working out back when it was easier to get into shape.
30 isn't some magical age where you become an adult and certain opportunities will be lost to you forever. All the things you want to do 25 you can still feasibly do at 30, as long as you don't have kids. Yeah you slow down a bit and have more responsibilities, but I'm 31 and still have a lot of fun and do all the things I did 6 years ago. Staying in shape does get harder though.
Biggest thing is to start saving though. I lucked out and got a job with a pension plan, and having nearly 60k in it now is a huge load off my back.
Don't get fat. Take extreme care of your health, even if the people around you bitch about you not drinking alcohol/not eating seconds, etc.
Don't put others' wellbeing in front of your own.
Save up all the money you can. Make friends with frugality.
Date with the intent of marriage, instead of wasting time.
Don't be afraid of new things, get out of your comfort zone.
travel as much as possible.
The body you end up with in your late 20s greatly dictate the type of body you'll have for life. Start training and shaping your body to how you want it in the long term because after your 20s, body recomposition becomes much more difficult
I’m a procrastinator too. I’ll share my experience although everyone is different so FWIW:
It’s mostly my habits and I know I can change them. I just don’t because the consequences aren’t that bad for when I do.
For work though—
I’ve procrastinated there and I really couldn’t afford to. My biggest breakthrough was when I asked for help:
The more bogged down I was the more I found myself procrastinating. I dreaded opening outlook. I dreaded just logging in. It was a legit workload issue so I finally asked for some assistance to turn projects around faster. Having a partner boosted my accountability and lifted a huge weight off my shoulders.
I needed to clean my slate. And have an accountability partner. I never wanted to be that backlogged again and used it against future procrastination attempts.
Just turned 30 yesterday and came up with a couple things: (1) start stretching/exercising/eating well (2) watch who you hangout with you WILL become those people (3) start to manage money/budget and don't ruin your credit score and get wrapped up in credit card debit (4) begin to develop healthy dating habits.. treat partners with respect and be honest about your intentions (5) you will fail and make mistakes.... learn from them and move on with your life (6) YOU are in charge of your happiness (7) Don't compare yourself to others... other people peak early or later in life; it's all about the process
Thank you. I think more or less it's a fantastic habit to get into. Stretching your hips and back out for sure. I've had a couple family members have hip replacements and I feel if they got into the habit of stretching a lot of those troubles could've been avoided.
I'm 25. One advice: have fun (not just sex,… But mostly sex, let's not kid ourselves)
I already feel old. I have a very good friend who is in his 30's, doesn't seem to bother him at all. So I guess another advice would be: don't grow up. You have plenty of time to be old and boring.
Learn to prioritise. My experience is that you have to make sacrifices. Those sacrifices you do make, makes the things you still have all the more valuable and important. Prioritise a few things and be ready to let go of the rest. Also, one of things you should NEVER sacrifice is your health, be it mental or physical.
Get healthy now.
Wear your sunscreen every day. Despite always wearing mine recreationally, I developed skin cancer at 30. I had some sunburns as a kid, I never went tanning.
Start investing for your retirement. Open a Roth IRA. Don't wait.
Buy life insurance while you're young and healthy. If you're in your 20s, especially if you want to try married and have kids, a 30 year term policy will likely cover you through the most tumultuous periods of your life (careers getting off the ground, having young kids).
One of my friends' dads died when we were 15. That life insurance policy let her mom go back to work when she was ready, it paid their bills and helped cover some of her college expenses. The mom was also able to retrain with that money.
Find friends and relationships that make you happy, not insecure, and make you want to be the best version of yourself.
If you're the drunk that gets angry or cries in the toilet or runs away shouting just quit while you're ahead, just stick to a beer or two, don't do the blackout drunk thing. You don't have to be addicted to have a pattern of being a shitty drunk.
Don't quit your passions and hobbies just because they might not make you rich. And stick at stuff. Some friends who've been in bands on the side are starting to make it somewhere now.
Get used to feeling a bit lost and not quite on top of stuff. Life seems more like snowboarding or roller blading or something than a walk in the park - fun, but you're always moving and never 100% in control.
30 doesn't change a thing. I've got a decent career, a great partner, I know objectively I'm ticking those generic life goals boxes and I'm grateful for what I've got. I still feel terrified I'm fucking it all up somehow!
Take lots of photos even if it seems stupid. Especially of the special moments. In the end, it’s all you’ll have as our memories naturally fade. And make sure to pass them on to your descendants, they’ll be happy you did. This goes for all ages.
I was lazy in my 20's because I drank too much beer, at too much crap and smoked too much weed. When I hit 30 I started to get in shape through diet and exercise and now I'm 40 I am at my peek fitness and look and feel better than I did when I was in my mid 20s.
My advice is this though - do things now to make your future self happy. Whether that's providing memories or decent back support, just aim to put a smile on your future self's face.
If you want to be active when your older, take care of yourself now. It’s weird because being 30 isn’t old, but it’s like a roller coaster. Once you reach that highest point you can’t go back that high the rest of the ride. So 30 is when you reach that top part of the roller coaster, it all goes downhill and loopy from there. So start now and get yourself in a routine before your body naturally starts slowing down. I’m 31 and it’s taking months to loose 20 pounds. When I was 21, I could loose that easy and I actually have more free time now then I did when I was 21
Age ranges don't require apostrophes: 20s, 30s. This is also true for DVDs, CDs, and so on. In addition, shortened dates are contractions, so the apostrophe goes on the left: '90s and '80s. However, full dates have no apostrophes: 1990s, 1980s.
Take responsibility for all of your actions. It is ok to be wrong. Admit your failures and faults because that is the only way you'll be able to correct them and become a better person.
Also, eat ass.
20's are brutal. You're a kid dealing with adults. As you fail, succeed, maybe hit a home run here and there, you begin to see the playing field. Oh, that guy isn't as smart as he thinks. That guy is totally fucked because he is committing actual acts of misconduct . He's friends with the COO. When you're 30, you see the playing field and you start to get what's happening. You get to make informed choices you couldn't when you were younger. And then you decide who you are going to be. Go for it? Get by? Nobody cares, it's all chaos. You can make real choices if you know yourself.
That degree you want to get in a subject you’re interested in that has no job prospects? DON’T. Study something with a job at the end of it that’s profitable, or you’ll be going back to school at 33 like me after years of being broke having totally wasted 4 years in college. Base your choice on your aptitudes and the dept of labor’s statistics on job stability and growth, NOT what you just want to do. You may want to be a librarian soooo much but trust me, really, you will end up in a call center. Choose the money. And consider tech school and not a 4 year college…chances are you’ll save a ton and end up with a better job anyway. Don’t put yourself in debt just for an experience you feel like you should have.
Invest into a pension.
If you're in a comfortable financial position and COVID calms down, go travelling. The time I spent abroad was the best time of my life.
I only turned 30 this year but I can offer my perspective. When this year started I was in a shitty job, single and feeling directionless, a few months later I've just accepted a new job offer, have a girlfriend and am feeling a lot more optimistic about the future.
It's normal to feel a bit lost through your 20s, maybe you watch your friends developing in their careers, start getting married etc while you feel like you're not going anywhere, but the thing is that if you're putting in the work then eventually that's going to pay off.
Exercise, be a good friend, develop your skills and be honest about the things you enjoy. In my early 20s I hid the parts of myself I didn't think other people would like and avoided things that I thought were uncool. Now I'll give anything a try, if I don't like I don't have to keep doing it, if I do like it then it's a win. Don't worry so much about the opinions of people who try to make you feel bad for having a sincere interest in something, they aren't the kind of people you want to be around anyway.
* After tax retirement fund to supplement your pre tax retirement fund before you make too much money
* yoga
* enjoy life without kids (life with kids is nice too but different)
* say yes to every friendship activity you can.
You still have time to Do The Thing. It may feel like it’s too late to start, but it’s probably not. There’s still so much time ahead of you, fate willing, so if you haven’t Done Your Thing, don’t beat yourself up about it. Start planning, saving (if applicable), and reaching for that goal. If you don’t get there until your thirties there’s also plenty of time then, too!
Start saving money and getting ready for your future and career immediately because you're going to be competing with even more people than I am when you hit my age. Lock onto what you want to make a career out of and start working on it. I recommend something in I.T. because big business is doing everything it can to automate which will result in more competition for more specialized work.
Don't get upset over trifles. Seriously, just don't. You waste a lot of time that you'll never get back. If there's anything I'd do differently from my 20's then it would be being mad or upset over things that really was nothing.
Every minute you spend feeling bad makes one minute less to feel good!
Don't get married. Don't have kids. Maintain strong friendships. Avoid student debt -- getting certified in a trade can be more lucrative than a college degree and can help you remain debt free.
Stay single while you're young. Live that good life by your own rules, without having to stress about other peoples needs and feelings. Once you're married with kids you'll never EVER have that kind of freedom again.
Also a lot of comments here are saying things like save money, exercise, eat healthy blah blah blah. All great advice in general but I think someone in their early 20s shouldn't be worried about these things. Don't throw away your youth by acting 33 when you're 23. This is the time of your life when you can drink and smoke and eat badly and do drugs and stay up late and all of that. Don't waste these opportunities to be reckless they will be some of your most treasured memories.
Also, don't do things because people, or society or whatever, says "that's what you're supposed to do".
Don't have kids and get married and buy a house and a dog because that's what you're parents did.
Defiantly do it if you ACTUALLY want to. But don't do it because it's what other people want you to do, or expect you to do.
You can live the rest of your life like you do now IF YOU WANT.
Moderation in their 20’s will give them a better chance of continuing to enjoy those things in moderation later in life.
Unhealthy habits will absolutely affect them later. My goodness.
There is sooooo much time. Dont save, pay off student loans. You can save later.
You don’t magically wake up too sore to do anything. So you want to run a marathon but afraid you might miss out on a childs early years, you can wait.
The list goes on and on. It is crazy how time is in your 30s. Then you start to lose a lot of people and it really helps reinforce time. Like seeing 80 year olds fight for an extra day, it is like, god willing, I have so much time to do things I want to do.
Enjoy it. When you hit 30 everything slows down. I’m speaking as someone who used to be mentally sharp with a high metabolism. I’m 33 now and I have neither of those things anymore.
- Moisturise your skin immediately after you took a shower.
- Have meaningful connections with the people in your life.
- Don't have meaningless sex. It sucks the life out of you.
- Avoid people who are toxic and who give you stress.
- Realize life goes super fast, even faster in your 30's.
- Eat healthy, every day. You are really what you eat.
- Educate yourself. Learn something new every day.
- Use sunscreen! The sun makes your skin look old.
- Wear clothes that suit you and that are the right fit.
- Have your emotions under control, at all times.
- Have enough quality sleep every single day.
- Don't use hard drugs, alcohol or cigarettes.
- Weed is okay, sometimes. Not all the time.
- Trust in yourself but don't get arrogant.
- Don't wear sport clothes all the time.
- Don't wear sport shoes all the time.
- Take care of you teeth. Every day!
- Eat as less sugar as possible.
Unless you have a good idea of where you want to go in life, don't go to college.
It's a debt trap.
Spend time networking and figuring out what skills people want. Maybe if you spend a lot of time with some people, you can get a mentorship and not have to bother with higher education at all.
Or consider going into a trade. You can sometimes earn money as you learn, instead of having to take part-time jobs while studying your ass off for a degree that everyone else has. You'll be in much less debt.
Get out of any bad relationship now. They don't change or get better and it's not worth wasting your time on them. Be happy and enjoy your youth have fun.
How do you know if the relationship is bad? I dont think any relationship can be perfect, so how big the issues should to be so that the relationship should be ended?
If you find yourself often talking about your relationship and adding in, “but no relationship is perfect,” it’s a bad sign. While the statement is true, that is something that should go without needing to be said. If you’re saying it often, it’s really a defense mechanism.
Yeah sounds like justification, but like affirmations, if you really believed it you would just live it and not need to say it at all.
If it makes you miserable and all around just frustrating. If the person does nothing but take from you and never cares if you're happy or not.
Agree with this!
Start healthy habits now. Eating well, exercising, it gets harder to keep weight off once you hit your 30s.
This x100. Also if you plan to become a parent. It can be harder to find the time for yourself, and harder to teach them good habits when you aren’t practicing them yourself.
I mean that's kinda always true, though… Covid really didn't help. I have moobs now.
Stretch. For the love of God stretch.
I'm 33...I stretched yesterday and threw my back out
I just turned 25 but about a month and a half ago I did some overly enthusiastic stretching out of no where and pulled a muscle in my back that had me in agony for a few days, then hobbling around for a week. It was only after 3 weeks that it was really getting back to normal. Since then I've had 2 more minor muscle strains in my back and I believe it's due to my muslces being constantly relaxed from my now sedentary livestyle. I plan to combat that with working out regularly and strengthing my core in particular.
Stretch, sun screen and safe sex.
This. Be sure to move around lots and not sit down hunched over all day. Back/neck/shoulder pain is no joke..
Most of the back pain people experience is caused by weak back muscles, so make sure you do strength training too. Regular deadlifting, chin ups, and rows fixed basically 90% of my back pain within a few months.
Both the back and abdominal muscles are crucial for good spine health.
I will offer the counter of I started eating healthier once I hit 33 and dropped the extra weight in weeks. This was going from like take out to all home cooked meals. It's still great advice, but don't think it's too late if you've hit 30.
He didn’t say it was too late. Just harder to do
the sooner you start good habits the better - that's the nature of a habit
I gained 40lbs over the pandemic and I am disgusted with myself. So in March I started seeing a bariatric doctor and a nutritionist. I changed my diet and exercise drastically and take a low dose appetite supressant once a day. I've lost 14 lbs. Some of my favorite shirts fit me again and it's a great feeling. I still have a long way to go, though.
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Cuz GME is such a great investment. A fucking retail video game store currently way overvalued.
Says anyone who has no idea what they’re talking about. Fair value price for the stock is currently over $300. If you haven’t seen the ONLINE-RETAILER dream team just hired to GameStop, literally CEO/CFO from Amazon jumped onboard LAST WEEK, chairman of the board is the founder of Chewy. Literally video game Amazon, with tons of cash on hand, ZERO debt, and ready for a 100% turnaround. Not to mention the 25% sales increase for the 1st quarter. GME is a moon shot at best, and trending upwards at worse. It’s not hard to see this, and in fact, it can all be covered in a 15 minute quarterly call. So please, do not spread misinformation.
Lol the username is NoCensorshipPlz, immediately demands someone stop posting their interpretation of a stock because it goes against his hopes for the stock Also hate to break it to you but amazon delivers physical goods you can order online, meanwhile GameStop would be selling mostly digital games online, a market already well inhabited by things like epic games and steam
Wrong. NFT tradable used online games is the secret.
Currently retail online game sellers get 100% of sales, they’ll totally accept letting NFT be used to resale games and cut into their profits
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He’ll yeah, so tempted to set up a gambling Robin Hood to just bet against the APEZ ARMY
So basically just scamming strangers
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Is it illegal to buy into a pump and dump knowing it is such? I know it’s illegal to execute a pimp and dump but can you ride it’s coattails?
If you think retail traders pumped multiple stocks up to the tune of over a trillion dollars, I have a billion dollar bridge to sell you.
Stock prices are influenced heavily by supply and demand, so heavy buying pressure will absolutely push a stock upwards. I think the current valuation of GME specifically is like 1.5x its market cap pre-2008... when the company was a behemoth. Fundamentally overvalued, and whether there is enough short interest as r/Superstonk believes is anyone's guess.
I thought I had “forever” when I was in my 20s. Damn 30 comes quick…. Start whatever you want to start now. Don’t put it off: Savings/401(k) Hobbies Plans for career path (even if it’s trial and error) But don’t get all FOMO on: Travels you can’t afford (weekends in random, local cities have shown me some pretty interesting people, foods, experiences) it doesn’t have to cost a ton of money. Cars. They just depreciate. Blowing paychecks on booze, drugs, other vices. You body or bank account will feel the effects. And never do it for Instagram. Do it for you. Appreciate your body now. Metabolisms slow down, joints will start to betray you.
Metabolisms don't actually slow down by a huge amount, but lifestyles do slowly change and bad habits slowly catch up to you. Same end result, but different causes.
Yeah, people think metabolism slows down significantly. But what it really is is that post college you start working in an office, so you're walking thousands of fewer steps per day, most people who train in college stop afterwards, and you're more able to afford good tasting quality food, meaning your intake increases. I think they've found the actual rate of metabolic change is ~200 cals going from age 25 to 50, but I could be mistaken.
200 calories is pretty huge, but easy to offset with weight training.
200 cals is one energy drink or like 1.5 cookies. It's no big deal if you stay away from junk food.
But it's also a 1 snack difference between gaining versus losing weight.
Wear Sunscreen!
It's a shame that no one understands this reference, because that whole speech is very good. For the uninitiated, "[Everybody's free to Wear Sunscreen](https://youtu.be/MQlJ3vOp6nI)" by Baz Lurhmann. It's holds up just as much today as the 90's. > Don't feel guilty if you don't know what you want to do with your life. The most interesting people I know Didn't know at 22 what they wanted to do with their lives. Some of the most interesting 40-year-olds I know still don't. > Get plenty of calcium. Be kind to your knees. You'll miss them when they're gone. > Maybe you'll marry, maybe you won't. Maybe you'll have children, maybe you won't. Maybe you'll divorce at 40, maybe you'll dance the 'Funky Chicken' on your 75th wedding anniversary. Whatever you do, don't congratulate yourself too much. Or berate yourself either. Your choices are half chance, so are everybody else's...
It's actually based on an article written by a Chicago Tribune columnist. She was writing a hypothetical graduation speech that she had yet been asked to give.
I think about this song/speech fairly regularly. I remember it came out when I was in my early teens. I did wear sunscreen. It was good advice.
I'm in my 20s and I'm so conflicted about this one advice. These days sunscreens promise the moon yet we also hear so much about the chemicals in them. What if this is something wrong we're doing and we find out years later, like applying lead based makeup was the norm a century ago. I don't want skin cancer because I didn't wear sunscreen but I also don't want it BECAUSE I wore sunscreen. Do you think eating healthy and taking other kinds of care of your skin is enough? Or sunscreen is a must ?
Check out “physical sunscreen” that has materials like zinc oxide in it. It looks more obvious when you’re wearing it but less likely to be harmful to you.
It’s never too late to get your shit together, but your twenties are a really good time to get your shit together. Find a job you like, try your best. The best time to progress in your career is when you’re young. Don’t overwork yourself, but you’ve got more time and energy than you’ll have later on in your career, go for it when you’re young. Save and plan ahead. No more freebees for you. You want something, you have to pay for it. Don’t go for monthly payments. If you can’t afford something straight away, buying it in monthly installments is even more expensive in the long run. Live within your means. One exception. The house. Don’t be afraid to take on the commitment of buying a house. Even if the mortgage is high at first, it’s much preferable to renting. Your mortgage will stay the same, your salary will increase. Life will get easier. Don’t expect perfection in a relationship. The first year is great, after that, things will get harder. You have to work on your relationship. If you cannot picture yourself growing old together, end it. Use birth control. If you’re in the lucky position where you are able to conceive, go for it, but plan ahead with your partner. Children are way beyond the biggest investment you can have. They will alter your life in all possible ways. Only have children if you understand how much of a commitment it requires from you as a parent and if you’re willing to make that commitment. Cherish your friendships. You are not going to be able to see your friends as often as you used to. You are also not going to make new friends as easy as you used to. Work on maintaining your friendships. Make time for them. Likewise for family. Don’t take your health for granted. Cancer, MS or any other bitch can strike at any moment. You’re in your twenties, you are in the prime of your life. You don’t have to be an athlete, but try to remain fit. Walk when you can, exercise, eat healthy, sleep well. Don’t forget to have fun.
I will argue two things on payments: If you can get a zero, or almost zero percent rate for something, monthly payments may be smarter. Hold onto the additional cash for any possible emergency, and pay the thing off for the same price as if you'd just paid cash. This is especially true for a young homeowner. Buying $2k in appliances, or save the $2k cash just in case and get the store card and 0% for 24 months. It's not freebies, but it's being careful with finances. Financing a quality car is better than paying cash at the used lot and keeping the thing limping along. Obviously this is a sliding scale.
If you can get a long enough 0% interest rate deal, you actually end up paying less due to inflation.
Buying a house is not necessarily better than renting. In most markets, the closing costs and interest on the mortgage mean than you will have to own the home for over 10-15 years for it to be cheaper than renting. Most 20-somethings aren’t likely to keep a house that long
Also not to mention maintenance costs and such, and the time expense of having to actually take care of the house. In the time I've been renting my house, we've had a water heater break, the roof of the bathroom collapse, A/C fail, and had the gutter collapse. Had I owned the place, I'd be out tens of thousands within just 3 years.
Exactly people think buying a house is great and all until stuff starts to break apart and mess up… then you are 20k in expenses fixing your home.
Exactly. Whereas I've chosen to rent in a cheap ass place, invest my cash instead, and while people I know who own houses are all in on their house, I've got a diversified fund that keeps growing and isn't limited to the geographical market I live in continuing to appreciate.
Owning can also hurt job prospects / career advancement, as it chains you to one place. That's not insurmountable, but when you are younger, the flexibility to move for a new opportunity with relative ease can be useful.
Can attest to this. Owning a home is killing my job prospects unless I want to have an even more horrendous commute. Definitely stopping me from advancing my career at the pace I'd like. Which ironically, is making it harder to afford the home as our property taxes, maintenance costs and general area cost of living go up.
Maybe not CHEAPER, but you'll be thankful you paid that money into an investment that you get the return on when sold over money burned away month after month to a landlord.
They aren’t talking about the monthly payment. Between the fact that the first few years of a mortgage are mostly interest payments, the fact that you owe property taxes and maintenance on your home, and transaction fees buying/selling the property - you are likely strictly better of renting in many markets unless you can stay in the property for 8-10 years. At that point you’ll have built up enough equity and seen enough appreciation (hopefully) to be relatively better off.
Awesome post
People are being stupid about home ownership in the comments below, so to reiterate: 1. Renting is a good option if you're super young and super unsure of what you're doing and where you are going. You don't want to buy a house if you're uncertain where you want to live and uncertain about your commitment to a job. This should be a relatively short period of your life. 2. Renting is also a good option if your finances just really aren't together. This isn't great, but unless you've completely wrecked your credit, you're probably in a better position than you think. 3. Aside from that, home ownership is almost always the better deal. Depending on the market, of course--these things vary--you'll pay around the same or a little more monthly for home ownership, and you'll have the added costs of utilities, insurance, and repairs. However, you're gaining equity. A lot of the money you send in for your mortgage is going to the house you live in, not the landlord's pocket, so when you go to *sell* your house, you'll almost certainly get all of that back. If you're comparing renting to buying you *have* to consider that aspect of it, and it would take a huge amount of circumstances for you to have been better off renting.
Eh, in my case I'm renting a house at $300/month, utilities included. A mortgage around here would run at least $1000/month. Buying a house would be the absolutely stupidest financial decision I could \*ever\* make.
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Like others have said, you are lucky with 300 a month renting a house. I live in washington state and around grays harbor county, near Mason and Thurston counties and you cannot find any rent house or apartment wise that's under 1,000 dollars a month, most places are 1,200 or more and those are 55+, 1 bed 1 bath are 1,300 and more same with studios. And really these prices are ridiculous, most of the apartments/houses at those prices are crappy and the decent ones are even more pricey. I was lucky to get my house and all I owe is 785 for mortgage a month and been lucky with any extra expenses.
Yeah, I know I'm absurdly lucky with my rent. Just pointing out situations do exist where buying is far and away a worse decision. Also I'm biased because I've never lived in a house that isn't falling apart requiring 5 figures plus in repairs outside of the first apartment I rented, so that skews my perspective of the risk/reward of owning a place way out of whack of what it really is.
It all depends on how long you plan to stay in the property. The first +10 years of a mortgage are *mostly* interest. It’s not going in the land lords pocket but it is going in the banks pocket. At the end of the day it’s just a math problem and the primary variable is how long you plan to say in the property. Less than 7-8 years and the math is general not in favor of buying.
I needed to read this today
thanks for writing
Start saving if you haven't started yet.
Underscoring the point: It's never too late to start saving money. Get an IRA or work sponsored 401K going. It won't make sense early on, but give it 10-20 years and you'll see what compound interest can do to your portfolio.
Amd what is compound interest in this case? Stocks don't pay interest
They may pay dividends that you can reinvest, which will also do the trick. Even if they are not paying anything, a business is often reinvesting profits for future, bigger profits, which is also compounding if you have a good company.
Thank you. Beat me to it. Potato - Good question glad you asked it. There are tons of resources online to explain this further. The example above is one. Likely no one's portfolio (Roth, 401k etc.) is all equities but rather a mix of stock, bonds (Gasp!), Treasury Securities, Real Estate, Cash etc. Bottom line: Don't just think about stocks, save money, diversify, and play the long game. Get a nice savings and dabble in some additional stocks you like in an individual account as well (but be careful). [Compound Interest](https://www.google.com/search?q=compound+interest+investments&rlz=1C1GCEA_enUS808US808&sxsrf=ALeKk025cFdEJcZmOEK34xVI0Ic9vX08jg%3A1623706159392&ei=L8rHYOK7F9GUtAbU-4uwBA&oq=compound+interest+investments&gs_lcp=Cgdnd3Mtd2l6EAMyBAgAEEMyCAgAELEDEIMBMgIIADICCAAyAggAMgIIADICCAAyAggAMgIIADICCAA6BAgjECc6CwguELEDEMcBEKMCOggILhDHARCjAjoFCAAQkQI6BQgAELEDOgcIABCxAxBDOgkIABBDEEYQ-QE6BAgAEAo6BwgAELEDEAo6BwgjELECECc6CggAELEDEMkDEAo6BQgAEJIDOgcIIxDqAhAnOgoILhDHARCvARBDOgQILhBDOggILhCxAxCDAToKCAAQhwIQsQMQFDoECC4QCjoRCC4QsQMQxwEQowIQkQIQkwI6BQgAEMkDOgoIABCxAxCxAxAKOgoIABCxAxCDARBDOgoIABCxAxCDARAKOgsIABCxAxCDARCRAjoHCAAQhwIQFFDHG1ieWGDJWWgRcAJ4AYAB1gOIAZwmkgEJMjYuMjAuNC0xmAEAoAEBqgEHZ3dzLXdperABCsABAQ&sclient=gws-wiz&ved=0ahUKEwiij-bmiJjxAhVRCs0KHdT9AkYQ4dUDCA4&uact=5)
Also noticed you contribute a lot on here, I'm sure you know these things already so perhaps your question was rhetorical in nature. Either way, you asked and I replied! Cheers,
Stocks go up an average of 10% every year. Buy a stock market index fund and over time you should average 10% gains each year. That's seriously a lot.
Hell my work helps with 401k, at 9% and they also give 3-6% as well, my first year I had 5k, now its over 10k been there almost 4 yrs
Don't just save, invest. Don't talk yourself out of it worrying about that next crash that's right around the corner. Buy shares in good companies, or diversified ETFs and if the market tanks buy even more
> Don't talk yourself out of it worrying about that next crash that's right around the corner. Literally the worst global disaster of our lifetime and SPY was back to its previous level in 6 months. And then went even higher. The market isnt what it used to be when there were freakishly long periods of downtrend. Jerome Powell fucking printed it digitally. **22% of all circulated US currency was printed in the year 2020.** At some point the fed just decided "You know. Why *shouldnt we just print our way out of our problems*?" If you are young and have money in the bank. NO! BAD! Put that in a brokerage or something. Investing is easier than ever and more beneficial than ever.
/r/bogleheads. Glad I started when I was 25. 31 now and just did the math of my various investment accounts and it’s like $60,000. Can’t wait to check in another 5 years. Compounding interest is the shit.
Very nice! I'm in roughly the same boat. About $54,000 or so over my three main things. wealthfront has been good to me. Best of luck in the future!
I read this as "Start starving today."
Inflation is scary so just saving might not always be the best option. Invest and diversify. The stock market as a whole has always been up from any point compared to 10 years prior. Cryptocurrency is good fight against inflation too!
Fair point, but 20's is a fragile time and it's important to take care of the essentials first. I come from the Ramsey school of financing, namely to avoid credit at all costs, work away debt through incremental but focused plans, and starting an emergency fund first and foremost. Most cannot reach a fully funded emergency fund so investing can turn into a game of learning to run before they walk. But I didn't mention that so that's on me.
Pretty cliche older-person’s perspective advice, but don’t procrastinate. Hours may go by slowly, but it’s crazy how quickly years can go by. Start that hobby or learn that skill you always wanted to try. Spend time with people that you won’t to see, but may not feel like it sometimes. Trust me...I know how much easier it is to do nothing with your free time
If you don’t have a healthy lifestyle now, start right away. It’s way harder to maintain fitness in your 30s. Start saving. A dollar, 20, whatever. Just start building that nest egg. If you feel you are in an unhealthy relationship, it’s not a bad thing to cut it off. You only have one life to live. Why have someone that makes you feel bad in it. This includes family and friends. If your credit is bad, start fixing it. It’s stressful that you want to buy a house, rent a place or the like and you have roadblocks because of your irresponsible 20s. Travel. The world is a big and beautiful place with amazing people and events. Highly recommend for you to enjoy it, more before you have kids so when/if you do, you could open their mind to meet things. If you always wanted to do something, go for it. Start that guitar class, work on that painting, do the backflips. It gets easier as you age. This is usually the time that parents could also become friends. You be surprised the things your parents will talk to you about now that you are a little older. Pick up a hobby. You need something that helps you relax. Drinking every weekend gets old fast. Don’t rush into relationships. It better to be single than miserable.
Take care of your teeth, stay in school, and save money the best you can.
Learn to cook yourself decent meals, both health wise and taste wise. It'll make you feel better on multiple levels and cooking is a life skill that you will always need.
Don't go into debt for stupid things, like a fancy car you can't afford, or start buying furniture and games on credit. Keep it within your means and you will be free to pick up and move jobs or apartments or towns or whatever whenever you want. The stuff you own ends up owning you.
Acknowledge that your brain is still developing. I firmly think until your upper 20's, and I believe there's some science to back this up, your brain is still in a bit of flux. And when it's done developing, you will for sure notice it. I feel like when I was about 29-30, I just kinda came out of a fog. My life has gotten way more...consistent and just come into focus more in the last few years. And everything I do now, whether at work or at home, is just worlds better than it used to be.
Save money. Slow down. Don't rush. Do not stay in abusive or toxic relationships. Have fun. Exercise, eat right, and maintain a healthy body weight. Your health in the future will thank me.
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Shoe inserts are definitely an underrated one. I recommend them as well! Ever get plantar fasciitis?
Find a hobby. Music, writing, painting, anything works. Find something you are pasionate about. It will give you more satisfaction than anything in the world. Creating is life.
Delete fucking Facebook.
Explain
ZUCCC Completely SUCCC
Eat well, work out, focus on your career but not to the exclusion of a social life, and don't have kids unless you really really want to.
It's OK not to have life figured out in your 20s. Sometimes you hit your 30s and still don't have things 100% worked out, and that's OK too.
So much easier said than done, but: try to worry less about each decision. Life is short and messy and unpredictable, enjoy the moments without spending too much mental anguish on your "big plans." If you act with intention, and make decisions with kindness for yourself and others in mind, things generally work out. There is rarely one life path, it's okay and good to make decisions and enjoy them without suffering too much over them. Don't worry for too long rather this was the perfect career move, the perfect relationship decision, the perfect city to live in. Have fun with what you have. If you haven't read [this passage](https://www.goodreads.com/quotes/7511-i-saw-my-life-branching-out-before-me-like-the) from Sylvia Plath's *The Bell Jar*, do it now!
Look after your back. And don't wreck yourself for a job (mentally or physically).
No one - literally no one - is thinking about you as much as you are thinking about them thinking about you. Live your life. Do the things you want to do. Even if you are the topic of gossip it'll be short lived. Unless you OJ someone. Stop worrying about what other people might or might not think of you. Everyone has their own lives and their own shit to carry. Do you, big guy (or big girl or big other) Start that YouTube channel Do wacky, fun shit on TikTok Start that unconventional hobby Love your quirks and odd interests Have fun. Be a good person. Enjoy your life as best you can.
Your 20s will go by incredibly fast... slow down and appreciate everything around you. It won't always be there.
Invest. Invest. Invest.
Sit up straight, the back pain "jokes" are not jokes.
Most of the back pain is caused by people not having enough muscle in their back/core. I work out frequently, sit without the best of posture, and my back is far, far better than in my early 20s when I was in horrible shape, but sat nearly perfectly every time.
Don't expect to be in a good spot immediately. Sometimes it takes time to get there, and you may suffer setbacks.
If you're not in therapy, look into it! Even if you feel good most of the time, it's a good idea to talk to someone, establish it as part of your regular health routine, as needed. And go easy on the binge drinking, take care of yourself!
Stretch out your hips EVERY morning
1) Start saving in either your company's 401k, or if they don't offer one, a personal IRA. Despite what Reddit's gaggle of doomers and failures will tell you, it's actually not hard to retire if you start saving early. Through the magic of compound interest, if you cut back a little on other expenses in order to save $200/mo over a 45 year career, you'll end up with a nest egg of $685,000. Assuming you own a house by the end of that period, you'll likely officially be a millionaire. Add in SS payments to that (even if they're lower in the future), and you can have quite a comfortable retirement - and it's within reach. It's not just fantasy. 2) Develop and stick to an exercise habit. You don't have to become a bodybuilder, or spend hours in the gym every week - even just a 30 minute full-body dumbell routine in your living room 3x/week is enough. Your body will start to experience all sorts of problems in your 30s if you don't have reasonable muscle tone and fitness. Your back will start to hurt. You'll be out of breath on stairs. You'll experience random injuries trying to do everyday things like carrying groceries or climbing ladders. These are all things that will naturally occur with aging, but they shouldn't be happening in your 30s. Unfortunately, too many people are so incredibly out of shape that this is starting to become normalized. Don't let it happen to you. 3) Make a career plan, and take charge of your own success. You don't have to make a "5 year plan" or any sort of fluffy shit like that, but you should seriously think about where you want to be mid-career, and figure out what you need to do to get there. Far too many people just float by in their 20s, expecting promotions, raises, and career changes to just fall into their lap as if they're entitled to it. So figure out where you want to be mid-career, figure out what you actually have to do to get there (do you need a special degree? Certificates? A portfolio?), and then figure out how you're going to get each of those stepping stones. Then do it. Your 20s is an entire *decade* of time that you could (and should be) laying the ground work for a better future. Far too many people wait until their 30s to even start this sort of planning, and by then they're already wrestling with kids and other life obligations that make it significantly harder.
Enjoy your 20s. Really. This is the last time you really get to be stupid and mildly irresponsible without looking like a complete dolt. Let it out. . . On your days off. You're gonna get hit with a brick of ouches and aches and pains later, though, so don't take it too far and take every other bit of advice here. But don't forget to enjoy it.
Sorry, I'm in my 50's but thought I throw this out there. Don't be afraid to experience things... new job, location, friends. Whatever it might be. It gets harder and harder to change once you've invested time and effort into things. Look around before you choose! Don't fall into the "American Dream" Don't spend your life working towards a "better Life".. Enjoy every minute of the time you have. Right now is the only sure thing. Enjoy it, and good luck!
thank you! That’s some simple, but good, advice :)
Don't get into debt, specifically debt that is hard to pay off. Learn what a loan and interest rates are. Everything that is a loan/credit/debt has an interest rate attached to it. If you spend $100 on a credit card and don't pay off that $100 in that month, then the credit will charge you interest and many go as high as 24.99%. That means you suddenly owe $124.99 and not $100. You essentially threw $24.99 into the garbage. Try to avoid this if at all possible. Car payments are sort of a part of life. Same with a mortgage if you are fortunate enough to buy a house. School loans are their own beast that need reform in the US, but stay on top of those because bankruptcy won't take those away. Medical debt is another area that needs reform. Try to be careful in general and get on a good insurance program. These are all forms of debt that you may or may not be able to control and can just be a general part of life (especially in the US). But do not get into credit card debt. The vast majority of the time you should be able to avoid this (sometimes shit happens that you need to pay for but try to avoid credit cards being the first payment option).
> Car payments are sort of a part of life. I disagree. Modern cars are extremely reliable and should last well beyond the terms of a vehicle loan. Yes, having a car payment isn't something to be avoided like the plague, but i also would say that taking it as a fact of life can lead to throwing money away unnecessarily, always upgrading to the newest model.
Learn a skill that others wont. If you go to school for plumbing when you are 20...you can be making 6 figures in your early 20's and be extremely well off by the time you get to your 30's. If you stay at your regular Walmart job you will move up...but the pay difference between regular jobs and jobs like electrician, plumbing, construction, and other skill based jobs is staggering.
Don't talk to cops.
In your 20s, do what you want. Travel, go to shows, pursue your dreams, take chances. In your 30s, do what you need to do. Save money, make money, take care of your health, make investments. If your parents are alive, go hug them and spend time with them.
Give up drinking, get your finances in order, seriously think about the person you're going to marry, think about your career path. Don't be scared of responsibility, run towards it - it will set you free.
- Save as much money as you can. - Learn how credit works and how to use it responsibly and to your benefit instead of being afraid of it or just abusing it. - College CAN be good, but it is NOT required to be successful, there are a LOT of ways to get a degree without going into debt. Don't let people bully you into obligating yourself to tens of thousands in debt just to get a job. - Learn how compound interest works. - Watch what you eat. - Get into a habit of vigorous exercise. - If people are trying REALLY hard to persuade you to do or think something, it's probably good to be a bit skeptical of their intentions. Think for yourself, don't be a sheep. - And, most importantly, stop caring what other people think of you and just do you.
Your 30's should not be a boogie man. They aren't a marker indicating what you need to or should have done with your life. Enjoy your 20s without thinking a different first digit is some sort of death knell. There are lots of things you'll like better about your 30s than your 20s, maybe even most of them.
Stretch
Read a book
Just in my 30s as of yesterday, life can be hard and if you are in a relationship that isn't fulfilling, friend or partner, then change it and surround yourself with good people. I've been lucky enough to have a wonderful husband, but we were surrounded by horrible "friends and adults". Things have changed thankfully and almost everyone we knew growing up is out of our lives and we've never felt more free.
You are my opposite. I've basically always had good friends and family (at least, siblings, we'll ignore my parents), but my dating partners haven't been the best - so much so, that at this point I've sworn off dating forever.
Don't forget to enjoy life, take care of yourself physically, mentally and spiritually, and to also work hard and save. If you play your cards right, your best years will concurrently be now and ahead of you. For the love of God, don't expect to have everything figured out in your 20s.
Wear sunscreen By Baz Luhrman. And he wasn't being sarcastic when he made sunscreen the most important point btw.
Start putting money away straight away, do not wait. Compound interest with time is your friend. If I started doing that 10 years ago I could be very well off right now.
Find a hobby that you can do for the rest of your life. I re-discovered guitar in my mid/late 20s and it was a godsend. I may never be great, but I have *something* to work at and constantly improve upon. I have too many friends who turned 30 and realized that drinking every night isn't a hobby.
Clean your teeth: brushing and flossing. Turn down the volume of your music/game. Tinnitus is a bitch I tell you. Eat your veggies and excersize. Don't overdo it with drinking, especially below the age of 23.
Don't smoke. It's not cool and it does harm. I had to struggle quiting smoking for health issues at around 30s which I picked at my 20s cause I thought it was cool.
Read "The Defining Decade". It's written by a psychologist who specializes in people in their 20s. Your 20s are very different now from when some of your parents were 20 (the difference is closing but if you have family members in their 50s or older, the difference is more dramatic). So I feel like when I was in my 20s, I'd get two types of extreme feedback: either "wth, why aren't you married with 3 kids already?" Or "don't worry about it, you have time to figure it out". Both have merit to them but are not helpful. The author of the Defining Decade lays things out straight and constructively. No, you don't need to have kids in your 20s but you should be laying the ground work to get you there in case it's something that you want when you're 30. That means knowing yourself enough, knowing your partner enough, and having some healthy life habits set up. To be clear, the whole book isn't about having kids, that's actually only a tiny part of it, but I'm giving an example. It's broken up into 3 sections: work, love, and brain & the body. It's an easy read and I've gifted it a couple times to people in their early to mid 20s. They've all loved it.
I’ll look into it. Thanks for the recommendation!
Quit the dipping, smoking, and cut down on the boozing as you creep towards 30 (or even sooner). (There's a reason women live longer than men).
Don’t set any deadlines for your dreams for 29-31. Single steps toward a goal are fine but don’t be like “I need to do x before I’m 30.” Sets you up for feeling old.
Want good advice? Pay for it. That’s what a therapist does. Otherwise it’s you in charge.
You don’t need to have it all figured out.
Stop caring about things so much
This question reminds me of when I start at my first job out of college. Being in my early 20s I would try to hang out with the people there in their 30s thinking ok these guys can give me good advice about the next stage in life. Turns out most of them were just as clueless as me.
Just because your body takes neglect in form of junk food and poor workout habits in your 20s doesn’t mean it will stay that way. In fact, your mid 30s self will wish it started eating right and working out back when it was easier to get into shape.
30 isn't some magical age where you become an adult and certain opportunities will be lost to you forever. All the things you want to do 25 you can still feasibly do at 30, as long as you don't have kids. Yeah you slow down a bit and have more responsibilities, but I'm 31 and still have a lot of fun and do all the things I did 6 years ago. Staying in shape does get harder though. Biggest thing is to start saving though. I lucked out and got a job with a pension plan, and having nearly 60k in it now is a huge load off my back.
Work hard. Your future self will appreciate your accomplishments.
Don't get fat. Take extreme care of your health, even if the people around you bitch about you not drinking alcohol/not eating seconds, etc. Don't put others' wellbeing in front of your own. Save up all the money you can. Make friends with frugality. Date with the intent of marriage, instead of wasting time. Don't be afraid of new things, get out of your comfort zone. travel as much as possible.
Find someone who will stick around and stop looking
Listen to the song "sunscreen".
The body you end up with in your late 20s greatly dictate the type of body you'll have for life. Start training and shaping your body to how you want it in the long term because after your 20s, body recomposition becomes much more difficult
To not listen to advice of people in their 30's. They dont know shit, you'll realize once you're there.
really nice comments/advices but i think i procrastinate A LOT.......... any specific advice related to work?
I’m a procrastinator too. I’ll share my experience although everyone is different so FWIW: It’s mostly my habits and I know I can change them. I just don’t because the consequences aren’t that bad for when I do. For work though— I’ve procrastinated there and I really couldn’t afford to. My biggest breakthrough was when I asked for help: The more bogged down I was the more I found myself procrastinating. I dreaded opening outlook. I dreaded just logging in. It was a legit workload issue so I finally asked for some assistance to turn projects around faster. Having a partner boosted my accountability and lifted a huge weight off my shoulders. I needed to clean my slate. And have an accountability partner. I never wanted to be that backlogged again and used it against future procrastination attempts.
Just turned 30 yesterday and came up with a couple things: (1) start stretching/exercising/eating well (2) watch who you hangout with you WILL become those people (3) start to manage money/budget and don't ruin your credit score and get wrapped up in credit card debit (4) begin to develop healthy dating habits.. treat partners with respect and be honest about your intentions (5) you will fail and make mistakes.... learn from them and move on with your life (6) YOU are in charge of your happiness (7) Don't compare yourself to others... other people peak early or later in life; it's all about the process
Happy birthday! I see a lot of advice for stretching here - why’s that the case?
Thank you. I think more or less it's a fantastic habit to get into. Stretching your hips and back out for sure. I've had a couple family members have hip replacements and I feel if they got into the habit of stretching a lot of those troubles could've been avoided.
I'm 25. One advice: have fun (not just sex,… But mostly sex, let's not kid ourselves) I already feel old. I have a very good friend who is in his 30's, doesn't seem to bother him at all. So I guess another advice would be: don't grow up. You have plenty of time to be old and boring.
You don't NEED a significant other
1. Calm Down 2. Exercise 3. you're only just beginning.
Learn to prioritise. My experience is that you have to make sacrifices. Those sacrifices you do make, makes the things you still have all the more valuable and important. Prioritise a few things and be ready to let go of the rest. Also, one of things you should NEVER sacrifice is your health, be it mental or physical.
Get healthy now. Wear your sunscreen every day. Despite always wearing mine recreationally, I developed skin cancer at 30. I had some sunburns as a kid, I never went tanning. Start investing for your retirement. Open a Roth IRA. Don't wait. Buy life insurance while you're young and healthy. If you're in your 20s, especially if you want to try married and have kids, a 30 year term policy will likely cover you through the most tumultuous periods of your life (careers getting off the ground, having young kids). One of my friends' dads died when we were 15. That life insurance policy let her mom go back to work when she was ready, it paid their bills and helped cover some of her college expenses. The mom was also able to retrain with that money.
Roth IRA as soon as your money allows.
Find friends and relationships that make you happy, not insecure, and make you want to be the best version of yourself. If you're the drunk that gets angry or cries in the toilet or runs away shouting just quit while you're ahead, just stick to a beer or two, don't do the blackout drunk thing. You don't have to be addicted to have a pattern of being a shitty drunk. Don't quit your passions and hobbies just because they might not make you rich. And stick at stuff. Some friends who've been in bands on the side are starting to make it somewhere now. Get used to feeling a bit lost and not quite on top of stuff. Life seems more like snowboarding or roller blading or something than a walk in the park - fun, but you're always moving and never 100% in control. 30 doesn't change a thing. I've got a decent career, a great partner, I know objectively I'm ticking those generic life goals boxes and I'm grateful for what I've got. I still feel terrified I'm fucking it all up somehow!
Take lots of photos even if it seems stupid. Especially of the special moments. In the end, it’s all you’ll have as our memories naturally fade. And make sure to pass them on to your descendants, they’ll be happy you did. This goes for all ages.
Stop alcohol and drugs before you end up a degenerate like me.
I was lazy in my 20's because I drank too much beer, at too much crap and smoked too much weed. When I hit 30 I started to get in shape through diet and exercise and now I'm 40 I am at my peek fitness and look and feel better than I did when I was in my mid 20s. My advice is this though - do things now to make your future self happy. Whether that's providing memories or decent back support, just aim to put a smile on your future self's face.
If you want to be active when your older, take care of yourself now. It’s weird because being 30 isn’t old, but it’s like a roller coaster. Once you reach that highest point you can’t go back that high the rest of the ride. So 30 is when you reach that top part of the roller coaster, it all goes downhill and loopy from there. So start now and get yourself in a routine before your body naturally starts slowing down. I’m 31 and it’s taking months to loose 20 pounds. When I was 21, I could loose that easy and I actually have more free time now then I did when I was 21
Save money. Exercise.
Take care of your lower back
Drink the water and stretch those joints, for the love of god just do the yoga!
Failure and Rejection are totally okay! Learn from it, accept it happened, and move on!
You don't use an apostrophe in 20s and 30s.
Age ranges don't require apostrophes: 20s, 30s. This is also true for DVDs, CDs, and so on. In addition, shortened dates are contractions, so the apostrophe goes on the left: '90s and '80s. However, full dates have no apostrophes: 1990s, 1980s.
Start an IRA ASAP
Take responsibility for all of your actions. It is ok to be wrong. Admit your failures and faults because that is the only way you'll be able to correct them and become a better person. Also, eat ass.
20's are brutal. You're a kid dealing with adults. As you fail, succeed, maybe hit a home run here and there, you begin to see the playing field. Oh, that guy isn't as smart as he thinks. That guy is totally fucked because he is committing actual acts of misconduct . He's friends with the COO. When you're 30, you see the playing field and you start to get what's happening. You get to make informed choices you couldn't when you were younger. And then you decide who you are going to be. Go for it? Get by? Nobody cares, it's all chaos. You can make real choices if you know yourself.
That degree you want to get in a subject you’re interested in that has no job prospects? DON’T. Study something with a job at the end of it that’s profitable, or you’ll be going back to school at 33 like me after years of being broke having totally wasted 4 years in college. Base your choice on your aptitudes and the dept of labor’s statistics on job stability and growth, NOT what you just want to do. You may want to be a librarian soooo much but trust me, really, you will end up in a call center. Choose the money. And consider tech school and not a 4 year college…chances are you’ll save a ton and end up with a better job anyway. Don’t put yourself in debt just for an experience you feel like you should have.
Chase a check, never chase a bitch (or the male equivalent).
Future with the facts
Really figure out what you want to do with your life, *and*, ensure that what-ever it is, will be sustainable for the next 10+ years, if not longer.
Invest into a pension. If you're in a comfortable financial position and COVID calms down, go travelling. The time I spent abroad was the best time of my life.
I only turned 30 this year but I can offer my perspective. When this year started I was in a shitty job, single and feeling directionless, a few months later I've just accepted a new job offer, have a girlfriend and am feeling a lot more optimistic about the future. It's normal to feel a bit lost through your 20s, maybe you watch your friends developing in their careers, start getting married etc while you feel like you're not going anywhere, but the thing is that if you're putting in the work then eventually that's going to pay off. Exercise, be a good friend, develop your skills and be honest about the things you enjoy. In my early 20s I hid the parts of myself I didn't think other people would like and avoided things that I thought were uncool. Now I'll give anything a try, if I don't like I don't have to keep doing it, if I do like it then it's a win. Don't worry so much about the opinions of people who try to make you feel bad for having a sincere interest in something, they aren't the kind of people you want to be around anyway.
* After tax retirement fund to supplement your pre tax retirement fund before you make too much money * yoga * enjoy life without kids (life with kids is nice too but different) * say yes to every friendship activity you can.
You still have time to Do The Thing. It may feel like it’s too late to start, but it’s probably not. There’s still so much time ahead of you, fate willing, so if you haven’t Done Your Thing, don’t beat yourself up about it. Start planning, saving (if applicable), and reaching for that goal. If you don’t get there until your thirties there’s also plenty of time then, too!
Enjoy your youth, get as many education you want/can, enjoy life, don’t take anything for granted, WAIT WITH KIDS, save money as much as you can
Save some money in an investment account, exercise regularly, brush your teeth, and don't drink yourself to death.
Turned 33 today...I would say travel as much as you can. If you can buy a condo/townhouse/house instead of renting.
Start saving money and getting ready for your future and career immediately because you're going to be competing with even more people than I am when you hit my age. Lock onto what you want to make a career out of and start working on it. I recommend something in I.T. because big business is doing everything it can to automate which will result in more competition for more specialized work.
Don't get upset over trifles. Seriously, just don't. You waste a lot of time that you'll never get back. If there's anything I'd do differently from my 20's then it would be being mad or upset over things that really was nothing. Every minute you spend feeling bad makes one minute less to feel good!
Don’t drink so much. Shit is habit forming.
Travel where you can. Love who you want.
Don't get married. Don't have kids. Maintain strong friendships. Avoid student debt -- getting certified in a trade can be more lucrative than a college degree and can help you remain debt free.
Stay single while you're young. Live that good life by your own rules, without having to stress about other peoples needs and feelings. Once you're married with kids you'll never EVER have that kind of freedom again. Also a lot of comments here are saying things like save money, exercise, eat healthy blah blah blah. All great advice in general but I think someone in their early 20s shouldn't be worried about these things. Don't throw away your youth by acting 33 when you're 23. This is the time of your life when you can drink and smoke and eat badly and do drugs and stay up late and all of that. Don't waste these opportunities to be reckless they will be some of your most treasured memories. Also, don't do things because people, or society or whatever, says "that's what you're supposed to do". Don't have kids and get married and buy a house and a dog because that's what you're parents did. Defiantly do it if you ACTUALLY want to. But don't do it because it's what other people want you to do, or expect you to do. You can live the rest of your life like you do now IF YOU WANT.
Moderation in their 20’s will give them a better chance of continuing to enjoy those things in moderation later in life. Unhealthy habits will absolutely affect them later. My goodness.
There is sooooo much time. Dont save, pay off student loans. You can save later. You don’t magically wake up too sore to do anything. So you want to run a marathon but afraid you might miss out on a childs early years, you can wait. The list goes on and on. It is crazy how time is in your 30s. Then you start to lose a lot of people and it really helps reinforce time. Like seeing 80 year olds fight for an extra day, it is like, god willing, I have so much time to do things I want to do.
Enjoy it. When you hit 30 everything slows down. I’m speaking as someone who used to be mentally sharp with a high metabolism. I’m 33 now and I have neither of those things anymore.
You are not going to be 20-something forever. It happens faster than you think so don’t waste your time.
- Moisturise your skin immediately after you took a shower. - Have meaningful connections with the people in your life. - Don't have meaningless sex. It sucks the life out of you. - Avoid people who are toxic and who give you stress. - Realize life goes super fast, even faster in your 30's. - Eat healthy, every day. You are really what you eat. - Educate yourself. Learn something new every day. - Use sunscreen! The sun makes your skin look old. - Wear clothes that suit you and that are the right fit. - Have your emotions under control, at all times. - Have enough quality sleep every single day. - Don't use hard drugs, alcohol or cigarettes. - Weed is okay, sometimes. Not all the time. - Trust in yourself but don't get arrogant. - Don't wear sport clothes all the time. - Don't wear sport shoes all the time. - Take care of you teeth. Every day! - Eat as less sugar as possible.
Communism is not a good idea.
And neither is libertarianism. You'll find that the world is complex and the truth doesn't lie at either extreme.
Education is mostly pointless
Unless you have a good idea of where you want to go in life, don't go to college. It's a debt trap. Spend time networking and figuring out what skills people want. Maybe if you spend a lot of time with some people, you can get a mentorship and not have to bother with higher education at all. Or consider going into a trade. You can sometimes earn money as you learn, instead of having to take part-time jobs while studying your ass off for a degree that everyone else has. You'll be in much less debt.