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5 Essential Tips for Investing in Your 20’s

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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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Success Advice

Why One-Size-Fits-All Leadership Will Always Fail (and What Works Instead)

The surprising truth about leadership styles that can make or break your team’s success.

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Why one-size-fits-all leadership doesn’t work
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Leadership has always been as much about people as it is about performance. Ken Blanchard, in his influential book, “The One Minute Manager”, put it simply: different strokes for different folks. (more…)

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Success Advice

What Every New CEO Must Do in Their First 100 Days (or Risk Failure)

Your first 100 days as CEO could define your entire legacy, here’s how to make every move count

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When Tim Cook took over from Steve Jobs at Apple, the world watched with bated breath. Jobs wasn’t just a CEO; he was a visionary, an icon, and a legend of innovative leadership. (more…)

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Entrepreneurs

The Leadership Shift Every Company Needs in 2025

Struggling to keep your team engaged? Here’s how leaders can turn frustrated employees into loyal advocates.

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Bridging the gap between employees and employers
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In workplaces around the world, there’s a growing gap between employers and employees and between superiors and their teams. It’s a common refrain: “People don’t leave companies, they leave bad bosses.”

While there are, of course, cases where management could do better, this isn’t just a “bad boss” problem. The relationship between leaders and employees is complex. Instead of assigning blame, we should explore practical solutions to build stronger, healthier workplaces where everyone thrives.

Why This Gap Exists

Every workplace needs someone to guide, supervise, and provide feedback. That’s essential for productivity and performance. But because there are usually far more employees than managers, dissatisfaction, fair or not, spreads quickly.

What if, instead of focusing on blame, we focused on building trust, empathy, and communication? This is where modern leadership and human-centered management can make a difference.

Tools and Techniques to Bridge the Gap

Here are proven strategies leaders and employees can use to foster stronger relationships and create a workplace where people actually want to stay.

1. Practice Mutual Empathy

Both managers and employees need to recognize they are ultimately on the same team. Leaders have to balance people and performance, and often face intense pressure to hit targets. Employees who understand this reality are more likely to cooperate and problem-solve collaboratively.

2. Maintain Professional Boundaries

Superiors should separate personal issues from professional decision-making. Consistency, fairness, and integrity build trust, and trust is the foundation of a motivated team.

3. Follow the Golden Rule

Treat people how you would like to be treated. This simple principle encourages compassion and respect, two qualities every effective leader must demonstrate.

4. Avoid Micromanagement

Micromanaging stifles creativity and damages morale. Great leaders see themselves as partners, not just bosses, and treat their teams as collaborators working toward a shared goal.

5. Empower Employees to Grow

Empowerment means giving employees responsibility that matches their capacity, and then trusting them to deliver. Encourage them to take calculated risks, learn from mistakes, and problem-solve independently. If something goes wrong, turn it into a learning opportunity, not a reprimand.

6. Communicate in All Directions

Communication shouldn’t just be top-down. Invite feedback, create open channels for suggestions, and genuinely listen to what your people have to say. Healthy upward communication closes gaps before they become conflicts.

7. Overcome Insecurities

Many leaders secretly fear being outshone by younger, more tech-savvy employees. Instead of resisting, embrace the chance to learn from them. Humility earns respect and helps the team innovate faster.

8. Invest in Coaching and Mentorship

True leaders grow other leaders. Provide mentorship, career guidance, and stretch opportunities so employees can develop new skills. Leadership is learned through experience, but guided experience is even more powerful.

9. Eliminate Favoritism

Avoid cliques and office politics. Decisions should be based on facts and fairness, not gossip. Objective, transparent decision-making builds credibility.

10. Recognize Efforts Promptly

Recognition often matters more than rewards. Publicly appreciate employees’ contributions and do so consistently and fairly. A timely “thank you” can be more motivating than a quarterly bonus.

11. Conduct Thoughtful Exit Interviews

When employees leave, treat it as an opportunity to learn. Keep interviews confidential and use the insights to improve management practices and culture.

12. Provide Leadership Development

Train managers to lead, not just supervise. Leadership development programs help shift mindsets from “command and control” to “coach and empower.” This transformation has a direct impact on morale and retention.

13. Adopt Soft Leadership Principles

Today’s workforce, largely millennials and Gen Z, value collaboration over hierarchy. Soft leadership focuses on partnership, mutual respect, and shared purpose, rather than rigid top-down control.

The Bigger Picture: HR’s Role

Mercer’s global research highlights five key priorities for organizations:

  • Build diverse talent pipelines

  • Embrace flexible work models

  • Design compelling career paths

  • Simplify HR processes

  • Redefine the value HR brings

The challenge? Employers and employees often view these priorities differently. Bridging that perception gap is just as important as bridging the relational gap between leaders and staff.

Treat Employees Like Associates, Not Just Staff

When you treat employees like partners, they bring their best selves to work. HR leaders must develop strategies to keep talent engaged, empowered, and prepared for the future.

Organizational success starts with people, always. Build the relationship with your team first, and the results will follow.

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Entrepreneurs

What Makes an Entrepreneurial Leader? Traits of the World’s Best Innovators

Inside the mindset of entrepreneurial leaders who transform risk, passion, and vision into world-changing results.

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When you think of Richard Branson (Virgin Group), Bill Gates (Microsoft), Steve Jobs (Apple), Rupert Murdoch (News Corporation), and Ted Turner (CNN), one thing becomes clear: they are not just entrepreneurs, they are entrepreneurial leaders. (more…)

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