您需要了解20件事中的20件事’s

40 评论

I’ve been thinking lately about what I would tell my 20-year-old self about money if I could go back in time. Even better, I thought about the advice I would give to any 20-year-old about what 您 need to know about money in 您r 20’s.

事实证明,我有很多话要说。

What 您 really need to know about money in 您r 20’s

当我写下面的清单时,我感到惊讶的是,有多少点仅仅是哲学和观点,而不是诸如“save 10% of 您r income”.

虽然可能并不那么令人惊讶,但因为这与我的信念是一致的 财务策略比财务计划更好。数字仍然很重要。他们很重要。但是我认为背后的动机更为重要。无论如何,我希望这个建议是有价值的,并能引起20多岁和30多岁的共鸣。

1.即使用于债务和储蓄的现金也很少!

If 您 can put another $10 towards 您r debts, do it. If 您 can put another $10 towards 您r savings, do it. In a decade, a mere $10 per week ends up being more than $5,000. To say the least, $10 goes far — 和 this is true with savings AND debt. The most powerful thing about money in 您r 20’s is that it has the rest of 您r life to compound. Use a little money to make a lot of changes in 您r life.

2.差旅支出不’t have the ROI 您 think it does.

就花费而言,旅行支出通常会获得免费通行证。有病毒照片读 “Travel is the only thing 您 can buy that makes 您 richer” 不懂的人在互联网上抹灰’t know 什么是股市.

我20岁时旅行得不错’s, but not as much as I thought I would. However, the only thing that surprises me is how little this has actually mattered. 为自己投资正确的冒险之旅,而忽略其他所有人在做什么。

3. One of the most powerful things 您 can do with 您r money is give it away.

With 您r inbox getting spammed by the latest offers from 您r favorite retailer, it’s easy to forget that 您r dollars can be used to do more than buy shit, they can 做出改变. Make charity part of 您r budget. If 您 can’t afford to donate money, donate 您r time instead.

4.每天买咖啡赢了’破坏您的财务状况。

It’s important to cut costs, manage a budget, 和 avoid temptation, but agonizing over minuscule details like bank fees or the cost of coffee is a distraction from where 您 can really 做出改变 with 您r finances. Don’您不必担心每天要花$ 2.50来买咖啡,也不必担心要为房子多付$ 100,000。

5.谈判一切,从价格到支付。

洽谈价格。 协商工资。 Asking for more at 您r job the single easiest way to add $1,000 to $5,000 (or more) to 您r annual income without doing any extra work. This will get 您 more money in 您r 20’s 和 the rest of 您r life.

6.光荣的工作很昂贵。

Big paycheques, fancy job titles, 和 swanky offices are fun. They make 您 feel important 和 impress people at parties when 您 tell them what 您 do. They also cost a lot. Subtract the cost of 您r commute, professional wardrobe, the expense of dining out with clients & colleagues, 和 sanity from 您r gross salary 和 您 are left with much less than 您 think.

Be wary of the price-tag of pursuing 您r dream job.

7.感恩比赚取更​​多。

Being grateful what 您 have costs nothing. Anyone can afford it. Not everyone can afford to devote more time or energy to earning more money. When it comes to solving 您r money problems, start with 您r perspective first.

8.永远不要试图在股市上报仇。

Sometimes 您 will lose 您r money because of bad decisions. Sometimes 您 will lose 您r money because of bad luck. Pause 和 reflect before 您 jump back in.

The market is not an opponent 您r can “win” against, it doesn’t care if 您 get hurt, it will beat 您 dead. It will also make 您r richer than 您 ever would be without it, which makes it difficult to use it responsibly. You can master the stock market, but 您 have to 学习如何做.

9.唐’不要误以为拥有房屋是获得财富的门票。

Unless 您’re buying a house with cash, taking on a mortgage is no different than renting, except 您’再租钱而不是空间。对于大多数人来说,拥有房屋是一种情感上的决定而不是经济上的决定,这在数学方面使他们的判断蒙上阴影。出租而不是拥有可能是 best thing 您 ever do for 您r finances.

10. If 您’不付款,不要’t look at 您r student loan account.

承受债务压力的人每天都会疯狂地检查余额,有时一天会多次。我记得我用学生贷款做到了这一点,只是为了看看那天产生了多少利息。

This is unnecessary agony 和 pointlessly stresses 您 out. It’s important to know how much 您 owe, but not up to the millisecond. If 您’不付款,不要’t stare blankly at 您r account statements, wishing them smaller.

11. University is one of the easiest 和 most expensive time-wasters at 您r disposal. Approach with caution.

Going to school can give 您 幻觉 that 您’re being productive or good with 您r money when 您’re not. You won’t blink at tens of thousands of dollars in tuition 和 fees because 您’re “investing in 您r future”.

Calculate the real value of 您r degree, not the value of 您r hopes 和 dreams. Graduating into a recession with a low-earning degree 和 tens of thousands of dollars of student loans is an avoidable hell, but 您 have to avoid it early.

12. One of the best things 您 can do for 您r marriage is to not go into debt for 您r wedding.

Spending more money on 您r wedding does not make 您 more married. Have a good time, but don’t get carried away. Couples fight about money all the time. If 您 keep this out stressor out of 您r relationship, 您’从此以后,就会有更好的拍摄机会。

13. The difference between what 您 want 和 what 您 have is probably a side hustle.

If 您 want to be debt free, own a home, raise a family, enjoy a comfortable retirement, 和 so on, chances are the only thing that’s stopping 您 is 20 hours per week 和 a little creativity. If 您 want to have more money, start working more.

14. Always try to be paid for 您r skills 和 talents, not 您r time.

You only have so many hours in a day. If 您 are paid by the hour, at some point, 您 will max out. You will not be able to see more clients. You will not be able to fit in more sessions. You will simply run out of time. So don’t make 您r time something 您 sell.

Sell 您r ideas, 您r expertise, 您r personality. But avoid selling 您r time, 和 if 您 have to, make it very expensive.

15.被动收入是最好的收入。

Dividend stocks work 24/7. They will earn money for 您 on weekends. They will pay 您 in 您r sleep. If 您 buy blue-chip dividend paying stocks in 您r 20’s, they will pay for themselves in 您r lifetime, 和 then continue to produce a free income stream forever thereafter.

Try to set up as many passive income streams as 您 can, 和 never working again becomes a tangible reality instead of a pipe dream. If 您 do nothing else for 您r money in 您r 20’s, set up an investment account that will pay 您 passive income for the rest of 您r life.

16. Remember 您 don’t have to take mainstream approach to 您r finances.

大多数人都破产了。他们工作过度,欠薪,负债累累,没有积蓄。唐’不要听取他们的财务建议。唐’采纳他们的财务计划或目标。唐’t do what they’re doing. Try doing weird things like saving 25% of 您r income or living without a car.

The more things 您 do differently than everyone else, the more likely 您 are to end up with a life that is totally different than anyone else’s.

17.财务错误可以是机会。

在24岁时,我有近30,000美元的消费者和学生贷款债务以及一份低薪的兼职工作。我感到ham愧,不知所措,平淡无奇。

决定控制我的处境并管理我的财务状况导致创建了这个网站,毕业后的钱。这个网站带我 回到学校攻读MBA。 MBA让我在初创孵化器中找到了工作。创业孵化器教会了我如何成为一名企业家。

In other words, getting myself deeply into debt in my early twenties led to the ultimate freedom of becoming self-employed by age 30. When it comes to money in 您r 20’s 和 things go wrong, trust the journey.  Worrying about 您r finances means that 您 care. Caring means that 您 will probably be ok.

18.唐’t let 您r parents help 您 too much.

If 您r parents are bankrolling a lifestyle 您 can’t afford, they’re doing 您 a disservice. Being broke is uncomfortable, but it’s good for 您. It’ll make 您 work harder for the life 您 want, 和 when 您 get there, 您’对获胜者会更富有同情心和同情心’不能做同样的事情。

如果有’s one thing 您 need to know about money in 您r 20’s, is to try to make sure most of it is earned by 您.

19.承担较大的,有计划的风险。

Any plan that requires 您 to save a fixed amount for any number of months greater than 6 will probably, at some point, be derailed.

Do not make 5-year plans. Do not make 40-year plans. Make 2-year plans that hinge on major achievements, but can be abandoned with little consequence if 您 fail. Your employer, 您r industry, 和 您r life can change on a dime, 和 您 have to be able to pivot to stay alive.

20. Someday 您 will die 和 您r debts won’t matter.

您的资产赢了’t matter, either. Your lengthy 和 lustrous career will be a blip. Maybe the next two or three generations of 您r family will remember 您, but after that, virtually no one will.

Enough time will pass that it will seem like 您 never existed at all. For this reason, it’s important to not get too hung up on any aspect of 您r life, but particularly 您r finances. It seems like a big deal, but money in 您r 20’s is actually a small matter in the entirety of 您r life.

金钱的问题是,当金钱不足时,’s all 您 think about. It stops 您 from enjoying the rest of 您r life. It keeps 您 from finding 您r purpose because 您’re distracted by staying afloat. But once 您 have enough to sustain 您rself, start looking at something, anything, other than 您r bank statement.

Your life has to be about more than money. YOU are more than 您r money.

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40 评论. 离开新的

  • 我们不仅仅是金钱或债务。我最重要的事情之一 ’我了解到金钱(和生活)的诀窍是,没有适合所有人的食谱。一旦我对此感到满意,事情就会开始发生。在此列表中有很多出色的见解。提前祝你生日快乐!

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  • “Invest in the right adventure for 您rself.”

    布里奇特(Bridget),从字面上看,这对我来说已经跳离(网页)页面。那里’在这篇文章中有很多很棒的东西,但是特别重要的是,如此重要’认为它谈论得不够多。一世’我不像我很多同龄人那样旅行,感觉就像是一个糟糕的千禧一代,但是’从来就不是我的重中之重–坦率地说,我的许多财务和个人目标都围绕在一个我可以负担得起狗的地方而笑。但是那’对我来说很重要:扎根于某个地方,建立自己的职业生涯并与家人共度时光,而我’我正在计划我的支出,以便能够投资这些东西。当您所有的朋友都花5,000美元去《火人》时,听起来有些sound脚。

    I just absolutely 爱 everything about this, thank 您 for a wonderful post!

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    • Thank 您 Des!

      我完全感觉像“bad millennial”不多旅行—特别是因为我一直都在谈论这对我有多重要。原来是’t。现在,当我的朋友们分享来自世界各地的美丽的异国风情照片时,我记得我的幸福在我的家庭办公室里工作,几乎没人能做。

      It’对我们自己想要的东西诚实一点是很好的,这样我们可以确保我们能做到!

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  • I’我非常感谢我的旅行经历,但我认为最大的不同是我没有’t have to pay for it, it was part of my job. Yes, I made very little money during that time so there was technically opportunity cost, but the lack of out of pocket costs made the ROI huge. I think that finding the way to do the things 您 want to do without major monetary costs when 您’re 您ng can make ROI more favorable.

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  • “当事情出错时,相信旅程”
    I absolutely 爱 this post! Thank 您 &提前祝你生日快乐!!!

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  • 你是一个哲学家。如果这是1700’s 和 we didn’t have the internet, 您 would be quoted for 90% of 推特 users #motivationalmonday, 和 I’我不只是这么说。

    这是我绝对喜欢的部分:
    1) 为自己投资正确的冒险之旅,而忽略其他所有人在做什么。
    2) Don’您不必担心每天要花$ 2.50来买咖啡,也不必担心要为房子多付$ 100,000。
    3) But avoid selling 您r time, 和 if 您 have to, make it very expensive.
    4) Don’采纳他们的财务计划或目标。唐’t do what they’re doing.
    5) Your life has to be about more than money. YOU are more than 您r money.

    反正我不知道’还有很多话要说’m really just here to give 您 a confidence boost because all of these notes are great advice. THANK YOU! Also, Happy almost Birthday.

    回复
  • “Spending more money on 您r wedding does not make 您 more married. ”

    Loved a lot of this post but 爱 爱 爱d this. Can 您 please email this to my sister so she’会下车吗?谢谢!

    (开玩笑,我’我将其全部发送给她,不仅限于此)。很棒的帖子!

    回复
  • “为自己投资正确的冒险之旅,而忽略其他所有人在做什么。” — I can’甚至无法开始解释我对这句话有多着迷。您有自己的梦想,抱负,优势,劣势,目标,价值观。与他人相比,冒险可能会导致您的自我价值的绝对破坏。这么大–每个人对……的定义不同“success,” “happiness,” “love”等等。感谢您传播这个词,以及您所有其他奇妙的提示&欢呼30岁!也许是特别版的饮品&美元会出来吗? ðŸ™,

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  • Bridget, 您 are simply amazing 和 I’我很幸运能看到这个博客! 2号确实引起了我的共鸣,因为我一直感到奇怪或愚蠢,因为我’我现在不太在意旅行。

    我一生中想要的就是永远不要经历父母承受的经济压力和动荡,总是试图维持生计。一世’m not where I want to be yet, but 您r blog is certainly helping me find my way. This is gold, sending it to my coworkers who are also in their early 20s

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  • 好吧,试着深呼吸,并在我20多岁的时候都没有听从这个建议的事实中保持良好状态。幸运的是’现在对我仍然是个好建议!我尤其在努力进行谈判和变得怪异。
    虽然我’我已经很奇怪了,所以效果很好。 ðŸ™,

    回复
  • 我认为我从二十多岁的财务中学到的一件事就是一年可以有所作为。一年的忙碌,一年的改变,一年的大专教育。它’s pretty impressive.

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  • 这是迄今为止我最喜欢的帖子之一!

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  • 当其他人似乎都在兜售这个全民一筹的美国(或加拿大!)梦想时,您的博客文章总是充满新鲜空气。梦的细节已经从我们父母那里改变了’ version but it still relies on the same fundamentals such as letting 您r jobs 和 degrees dictate 您r value…blech.

    Anyway, I appreciate 您r blunt but nuanced perspective on these topics!

    回复
  • decent work clothes are soooo expensive 您re so right!

    回复
    • I’我真的注意到小事加起来,我’我已经完成学业并开始工作。与其将那笔钱花在咖啡上(因为免费工作,还有奖金!),钱可以用来偿还债务。每天2.50加起来!

      回复
  • #20!!

    对对对!

    I f*cking 爱 您r stuff, birthday girl.

    回复
  • 为什么我们要尝试做些小事情,例如每周多付10美元,却又不用担心每天要花2.50美元喝咖啡?不’t make sense.

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  • Great post! Thank 您 for sharing. Hope to hear more from 您.

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  • 感谢那。实际上,这就是我正在做的事情,我将在2016年取得更大的成就。

    Thought 您’d有兴趣查看我11月份的净资产更新
    http://www.myricketyroad.com/2015/12/01/net-worth-update-november-2015-e1076/

    干杯
    先生

    回复
  • 非常时髦的帖子。我特别喜欢11号。称我为Curmudgeon,但至少有一半是自负的单身汉所需的课程’学士学位是浪费时间和金钱。而且,高等教育的商业模式是神圣不可侵犯的。疯狂!更令人高兴的是,恭喜您取得了三连胜。

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  • 这里有很多宝石。我特别喜欢#4–每天买咖啡赢了’破坏你的财务状况。一遍又一遍的所谓“个人理财专家”来形容每日星巴克所造成的损失实在令人厌烦。您’re right–正确处理支出前3-4大事项,并享受您的星巴克。您’会很好! (或者,将前3-4件事弄错了,它赢了’不管你喝多少星巴克–you’ve screwed 您rself, financially.)

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  • Thank 您 for this. I whole-heartedly agree with this post. My favourite is number 7 – gratitude is easier than making more money. I have never thought of this money tip 和 I 爱 it. Such a great outlook. And this is coming from someone who 爱s budgets 和 the nitty-gritty of financial plans/goals 🙂

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  • Great stuff, 爱 爱 #20.

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  • It is always easier to pick a lower standard of living when it comes to the big things like houses 和 cars, than to save the money needed for the higher standard of living from all the little expenses. To use 您r example, skipping that $2.50 coffee every day for a year only gets 您 about $75.00 per month. You can get that $75,000 by buying $15,000 less house–and in doing so 您 may reduce other bills as well.

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  • 感谢这篇文章。它在适当的时候出现了。数字20概括了我的生活。我拥有庞大的资产基础,但最近的错误决定意味着我离财务目标越来越近,并且这一直使我感到压力。我需要放松一下并制定一个计划,因为我知道一旦面对它,这就是短暂的一瞬。

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  • 布里奇特好帖子!我特别喜欢数字9、11和19。

    因此,我们很多人被鼓励去接受进一步的教育,购买房屋等。’根深蒂固,以至于许多人’问题或第二个猜测这些重大决定。我很幸运,能够从大学毕业。我很不幸,因为我遵循了父母规定的道路,而不是梦想。现在快30岁了’我终于采取了一些措施来做适合我的事情!它’令人振奋,令人恐惧,在许多情况下违反规范。我不’不想住在郊区,我对自己10岁的小汽车感到非常满意。我以为我在这方面很孤独,但是’找到一些志同道合的人真是太好了!

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  • 你好!
    First time subscriber to 您r blog, 和 I have to say, I’从现在开始将成为一名狂热的读者!看完这篇,我只是想了想” This is brilliant” Thank 您 for the post, it’给了我很大的启发! ðŸ™,

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  • 嘿布里奇特,

    这是我最简单但最有意义的帖子之一’我在互联网上遇到过这引起了共鸣。爱它!

    我不能’t not comment. 😉

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  • 嗨布里奇特!
    Thank 您! This is exactly what I needed to hear (read). Lately I’我一直在想我的大事’我对金钱的态度会帮助或阻碍我的进步,这一点变得非常现实。感谢您的重要提醒,要多谢,怪异并记住真实的花费。这份清单上的每一项对我来说都是如此。

    回复

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