Your 20s are the foundation for lifelong financial security. Start building smart habits now, and you’ll save yourself years of stress later.
1. Start Budgeting Early
Use apps like YNAB or Mint to understand your cash flow. Awareness is step one to control.
2. Build an Emergency Fund
Aim for three months of expenses—it’s your safety net when life throws curveballs.
3. Avoid Lifestyle Inflation
As your income grows, resist the urge to upgrade everything. Bank the difference instead.
4. Invest Now, Not Later
Even small, consistent investments in ETFs or retirement accounts can snowball over time.
5. Learn to Negotiate
Whether it’s your salary, rent, or bills—negotiation skills directly impact your financial future.
Your 30-year-old self will thank you for every good decision you start today. Small, smart steps now equal big peace of mind later.