Success Advice
5 Essential Tips for Investing in Your 20’s

Everyone desires to lead a good life. However, a lot of people aren’t taking the right steps that would eventually guarantee them the kind of lifestyle they desire. Consequently, dreaming of a good life becomes wishful thinking. You see, you could earn yourself a well-deserved rest in your early 50’s while others keep their noses to the grindstone just to eke out a living. It all boils down to making informed investment decisions. Are you in your twenties? If yes, the advice that you will find out from this piece could potentially change your life for good.
The minute you make the call to start investing in your 20’s, you are setting yourself up for the future. Being in your twenties, you can make all the difference. But the question now is, how do you know what or how to invest? Well, this guide will help you with that.
5 Investment Tips for 20-Somethings:
1. Draft a spending budget
You probably have a plum job and can afford expensive vacations in any tourist locations of your choice. Perhaps you don’t feel extravagant whenever you buy expensive clothes, smart devices, jewellery, and wearables. You keep living life in the fast lane because you firmly believe that your income is guaranteed.
Much as it’s good you give yourself a treat once in a while, you must understand that most spendthrifts lead a miserable life in the twilights of their lives. Therefore, you should learn to cut down on your spending and save for your tomorrow by making a budget. Separate your wants from your needs; get your priorities right.
“Do not save what is left after spending, spend what is left after saving.” – Warren Buffett
2. Invest in yourself
It’s often said that investing in oneself is the best form of investment. To underscore the importance of investing in oneself, financial advisor Matthew Jackson, quipped that the investment which you can control is the investment you must prioritize. The investment czar added that oneself remains that investment that you can control anytime any day. He also said that you should make an effort toward investing in your personal, professional and financial growth. Without mincing words, he couldn’t have put it better.
3. Invest right
Apart from investing in yourself, what else should you invest in? Well, it’s a tough question. Looking at trends, young people always venture into get-rich-quick investments, such as Ponzi schemes. They would argue that more risks often result in more return on investment (ROI).
Here’s my investment advice: start small instead of endless planning and treat it like a normal business, not get-rich-quickly scheme. Investing in shares, gold IRA’s, bonds, and real estate is always a good idea after you get familiar with basic investment rules, which usually takes time, hence not a good fit for a 20-something investors.
Therefore If you’re looking for a profitable home-based online business, becoming Amazon affiliate is a great way to make money from home. That said, the rule of thumb here is that you should have a good grasp on whatever you want to invest in first. Beyond the good tidings of exponential rise and rallies, you should seek expert advice. Invest now, enjoy later.
4. Spend and save
As competition in the marketplace heightens, more and more companies are coming up with innovative ways of gaining a competitive edge over their rivals. One of such business models is that which rewards consumers with a fractional discount for purchases. This cashback program, as it is often styled, is common with e-commerce platforms. Yes, you should get the most from this scheme. Again, you don’t become stinking rich by spending flamboyantly.
“An investment in knowledge pays the best interest.” – Benjamin Franklin
5. Set a target
In addition to spending and saving, you should set a target. Unarguably, to stay miles ahead of your peers, you must set a target for yourself and spell out the steps for accomplishing it. Indeed, it’s okay to be ambitious. Nevertheless, if you don’t have well-articulated strategies for realizing such ambitions, you are living in cloud cuckoo land.
For instance, if you are an engineer, you must determine when you plan to be in college, the number of years that you wish to work with an establishment, and when you will establish your own company. More importantly, pursue your dreams with everything in you. Yes, you are just 20-something, so the world is your oyster.
In conclusion, in your twenties, you have the time and energy to pursue and achieve anything you set your mind to achieve. So, what are you waiting for? If you have goals without working toward reaching them, you may just be chasing shadows. Sure, it’s okay to explore and make some mistakes at your age. No doubt, mistakes offer great learning curves. Do not procrastinate because this is the right time! Lastly, when you do this, you’d be able to keep the wolf from the door when you are too old to even sign your own signature!
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