These are my most honest, common sense lessons that everyone needs to learn at some point or another that will not only help make you more money, but also just become a better, more well rounded person – Enjoy! Add me on Instagram: GPStephan

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First – The WORST thing in your 20’s is living above your means.
From my perspective, if you want to set yourself up for the rest of your life, financially…your 20s are the absolute BEST time to live below your means, delay gratification, and save religiously. Not to mention, practically…no one expects you to live lavishly in your 20s, anyway. You can easily get away living with room mates, driving an old car, wearing sweatpants every day, and not eating out because MOST people do that in their 20’s, anyway. So embrace it – and lean into that stereotype because you can only get away with that for so long before it starts being less socially acceptable.

If you don’t have any credit whatsoever right now, just go and sign up for a discover it secured credit card with a $300 limit, put a few minor expenses on the card every few months, and pay it off in full. Seriously, building your credit is actually THAT easy. It’ll take you MAYBE 2 minutes PER MONTH to do this, and as long as you slowly add more no-annual fee credit cards into the mix every 6-8 months and pay your bill in full and on time, you can EASILY get a PERFECT credit in 2-3 years for $0 out of pocket.

Third – Don’t want for things to happen
Here’s what you need to know: Nothing will happen if you don’t take the initiative to MAKE IT HAPPEN. And this is a shame because NO ONE IS TAUGHT HOW TO GO AFTER THEIR OWN GOALS…ON THEIR OWN…WITHOUT BEING TOLD WHAT TO DO. If there’s something you want – it’s up to you to make it happen. If you have a goal, you’ll need to actively work towards it. There’s no deadline, there’s no homework, there’s no test…it’s just YOU, for better or for worse. You need to learn to hold yourself accountable for everything you do, and ONLY YOU will keep yourself on track.

Fourth – Don’t play it too safe and take some risk
business, moving careers, because every new experience will come with knowledge you can use in the future. Not to mention, getting in the habit of putting yourself in uncomfortable situations NOW is going to make it SO MUCH EASIER to continue doing that in the future – and those are where your BEST opportunities usually are.

Fifth: No one has any idea what they’re doing
So, just take comfort knowing that you’re not alone if you’re still figuring things out, or if you’re disappointed you don’t feel like you have it all figured out – that feeling probably won’t go away, but once that you know everyone feels that way and it’s NORMAL – it gets easier.

Sixth: Don’t worry about things that haven’t happened yet
Instead – in your 20s – spend your time thinking about the MOST LIKELY SCENARIO, and think about how you work TOWARDS something – not how can you work AWAY from something. Mental energy is something that goes a LONG way – and if you’re wasting your time stressing about things that don’t matter, that’s less time that you can focus on what DOES matter and what WILL actually get you ahead.

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