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.
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”.
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, $10 goes far — 和 this is true with savings AND debt. The most powerful thing about money in 您r 20’s is that it has the rest of 您r life to compound. Use a little money to make a lot of changes in 您r life.
2.差旅支出不’t have the ROI 您 think it does.
就花费而言，旅行支出通常会获得免费通行证。有病毒照片读 “Travel is the only thing 您 can buy that makes 您 richer” 不懂的人在互联网上抹灰’t know 什么是股市.
我20岁时旅行得不错’s, but not as much as I thought I would. However, the only thing that surprises me is how little this has actually mattered. 为自己投资正确的冒险之旅，而忽略其他所有人在做什么。
3. One of the most powerfulÂ things 您 can do with 您r money is give it away.
With 您r inbox getting spammed by the latest offers from 您r favorite retailer, it’s easy to forget that 您r dollars can be used to do more than buy shit, they can 做出改变. Make charity part of 您r budget. If 您 can’t afford to donate money, donate 您r time instead.
It’s important to cut costs, manage a budget, 和 avoid temptation, but agonizing over minuscule details like bank fees or the cost of coffee is a distraction from where 您 can really 做出改变 with 您r finances. Don’您不必担心每天要花$ 2.50来买咖啡，也不必担心要为房子多付$ 100,000。
洽谈价格。 协商工资。 Asking for more at 您r jobÂ 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.
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 ofÂ pursuing 您r dream job.
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.
Sometimes 您 will lose 您r money because of bad decisions. Sometimes 您 will lose 您r money because of bad luck.Â 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 beÂ without it, which makes itÂ difficult to use it responsibly. You can master the stock market, but 您 have to 学习如何做.
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.
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 dollarsÂ of student loans is an avoidable hell, but 您 have to avoid it early.
12.Â 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 haveÂ 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 avoidÂ selling 您r time, 和 if 您 have to, make it veryÂ expensive.
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.
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. Â 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Â 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.
AnyÂ 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 lookingÂ 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.