If you are in your 20s, reading this will put you ahead of 99% of...
Kenny | Accent Investing@AccentInvesting
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Oct 01, 2025
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If you are in your 20s, reading this will put you ahead of 99% of people your age:
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• Take your time before marriage
You should not hurry into marriage. Before making that choice, get to know yourself.
Your greatest financial investment is the person you marry.
You should not hurry into marriage. Before making that choice, get to know yourself.
Your greatest financial investment is the person you marry.
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• Get a high-paying Job
Job loyalty does not exist. You are replaceable.
Maximize your earnings and invest them. Your investments are your only security.
Don't get a low-paying job for the sake of passion.
Get the money first, and chase the passion later on.
Job loyalty does not exist. You are replaceable.
Maximize your earnings and invest them. Your investments are your only security.
Don't get a low-paying job for the sake of passion.
Get the money first, and chase the passion later on.
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• Avoid social comparison
Do not compare your life's circumstances to those of others. Everyone has their own time clock.
Someone somewhere will always have more or less than you.
Focus on yourself and become the best version of yourself.
Do not compare your life's circumstances to those of others. Everyone has their own time clock.
Someone somewhere will always have more or less than you.
Focus on yourself and become the best version of yourself.
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• Invest in index funds
Invest in low-cost index funds that track the stock market.
Contribute to your 401(k) and Roth IRA accounts.
Buy regularly, never sell, do not panic, and stay the course.
You will come out ahead of the majority of people.
Invest in low-cost index funds that track the stock market.
Contribute to your 401(k) and Roth IRA accounts.
Buy regularly, never sell, do not panic, and stay the course.
You will come out ahead of the majority of people.
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• Choose quality friends
Surround yourself with quality people.
Learn who in your life is good for you and who pushes you or holds you back from reaching your full potential.
Surround yourself with quality people.
Learn who in your life is good for you and who pushes you or holds you back from reaching your full potential.
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• Work on your health
When you are young, it is important to prioritize your health.
The way you care for your health today will matter in 20 to 30 years.
Do the following:
- Exercise regularly
- Eat healthy
- Sleep more
- Reduce alcohol
- Drink a lot of water.
When you are young, it is important to prioritize your health.
The way you care for your health today will matter in 20 to 30 years.
Do the following:
- Exercise regularly
- Eat healthy
- Sleep more
- Reduce alcohol
- Drink a lot of water.
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• Understand compound interest
Prepare for retirement when you are young.
Monthly savings to become a millionaire at age 65 with a 7% return
- Age 20: $264
- Age 25: $381
- Age 30: $555
- Age 35: $820
- Age 40: $1,234
- Age 45: $1,920
- Age 50: $3,155
- Age 60: $13,968
Prepare for retirement when you are young.
Monthly savings to become a millionaire at age 65 with a 7% return
- Age 20: $264
- Age 25: $381
- Age 30: $555
- Age 35: $820
- Age 40: $1,234
- Age 45: $1,920
- Age 50: $3,155
- Age 60: $13,968
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• Do not keep up with the joneses
Do not buy things to impress people.
There are many people who have houses, cars, and a fancy lifestyle but are broke.
Do not buy things to impress people.
There are many people who have houses, cars, and a fancy lifestyle but are broke.
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• Network with people
The people you know can influence your ability to succeed and find opportunities.
Spend time with ambitious people who have a desire to grow.
You'll gain a lot of knowledge and always strive to improve yourself.
The people you know can influence your ability to succeed and find opportunities.
Spend time with ambitious people who have a desire to grow.
You'll gain a lot of knowledge and always strive to improve yourself.
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• Do not settle too quickly
Do the things you enjoy. Travel around the world and make memories.
At some point, you will not have time to do what you love doing.
With family and work commitments, life will become unexpectedly busy.
Do the things you enjoy. Travel around the world and make memories.
At some point, you will not have time to do what you love doing.
With family and work commitments, life will become unexpectedly busy.
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• Avoid debt
Run away from consumer debt like it is a disease.
People who are in debt are not financially free. They are always chasing money.
If you cannot pay cash for it, it means that you cannot afford it.
Run away from consumer debt like it is a disease.
People who are in debt are not financially free. They are always chasing money.
If you cannot pay cash for it, it means that you cannot afford it.
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• Educate yourself about money
Be interested in money topics.
Ultimately, it is your responsibility to manage your finances. Financial literacy starts with you.
Do the following:
- Read books
- Listen to podcasts
- Buy a course
Be interested in money topics.
Ultimately, it is your responsibility to manage your finances. Financial literacy starts with you.
Do the following:
- Read books
- Listen to podcasts
- Buy a course
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• Prepare for the unexpected
Create an emergency fund to deal with unexpected accidents and events.
Nobody knows when an emergency will occur in their lives.
Be prepared for them, because they will happen.
Create an emergency fund to deal with unexpected accidents and events.
Nobody knows when an emergency will occur in their lives.
Be prepared for them, because they will happen.
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• Frugality is key
Do not spend more than you earn.
Do not follow the lifestyle of your friends and society.
Live your life differently today so that your future is unlike anyone else's.
Do not spend more than you earn.
Do not follow the lifestyle of your friends and society.
Live your life differently today so that your future is unlike anyone else's.
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• Learn the difference between assets and liabilities
If you understand the difference between assets and liabilities, you will not waste your money.
You will know that wealthy people acquire assets, but poor people buy liabilities and think that they are assets.
If you understand the difference between assets and liabilities, you will not waste your money.
You will know that wealthy people acquire assets, but poor people buy liabilities and think that they are assets.
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I write about
- Personal Finance
- Investing
- Wealth
Follow me @AccentInvesting to get more tips.
Subscribe and get a free guide on 5 ETFs to hold for life: bit.ly/AccentInvesting
I write about
- Personal Finance
- Investing
- Wealth
Follow me @AccentInvesting to get more tips.
Subscribe and get a free guide on 5 ETFs to hold for life: bit.ly/AccentInvesting
Kenny | Accent Investing@AccentInvesting
If you are in your 20s, reading this will put you ahead of 99% of people your age:
