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5 Essential Tips for Investing in Your 20’s



how to invest in your twenties
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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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Emile Steenveld Speaker and Coach

Some people seem to naturally know how to effectively communicate in a group setting. They can express themselves clearly and listen attentively without dominating the conversation.

Being a powerful communicator is important for several reasons, including building and maintaining relationships, achieving goals, resolving conflicts, improving productivity, leading and influencing others, advancing in your career, expressing yourself more confidently and authentically, and improving your mental and emotional well-being. Effective communication is an essential life skill that can benefit you in all aspects of your life.

But, don’t worry if you don’t naturally possess this skill, as effective communication is something that can be developed with practice, planning and preparation.

1.  Listen actively: Practice active listening by giving your full attention to the speaker and responding to what they are saying.


2. Use “I” statements: Speak from your own perspective and avoid placing blame or making accusations.


3. Avoid assumptions: Don’t make assumptions about what the other person is thinking or feeling.


4. Be clear: Express your thoughts and feelings clearly and concisely by getting to the point and avoid using jargon or overly complex language.


5. Show empathy: Show that you understand and care about the other person’s feelings.


6. Offer valuable insights: When speaking in a group, provide a valuable takeaway or actionable item that people can walk away with.


7. Be an active listener: Listen attentively and respond accordingly, incorporating your points into the conversation.


8. Choose the right time: Pick the most opportune time to speak to ensure that you have the group’s attention and can deliver your message without interruption.


9. Be the unifying voice: Step in and unify the group’s thoughts to calm down the discussion and insert your point effectively.


10. Keep responses concise: Keep responses short and to the point to show respect for others’ time.


11. Avoid unnecessary comments: Avoid commenting on everything and only speak when you have something important to say.


12. Cut the fluff: Avoid being long-winded and get straight to the point.


13. Prepare ahead of time: Sort out your points and practice them before speaking in a group.


14. Smile and be positive: Smile and nod along as others speak, to build a positive relationship and be respected when it’s your turn to speak.


15. Take responsibility: Take responsibility for your own actions and feelings.


16. Ask questions: Ask questions to clarify any confusion or misunderstandings.


17. Avoid interrupting: Allow the other person to finish speaking without interruption.


18. Practice active listening: Repeat what the other person said to ensure you have understood correctly.


19. Use your body language too: Use nonverbal cues such as eye contact, facial expressions, and body language to convey your message and build rapport.


20. Be aware of the tone of your voice: it should be calm and assertive, not aggressive or passive.


By keeping these tips in mind, you can improve your communication skills and become a more powerful communicator, which can help you build better relationships, achieve your goals, and lead a more fulfilling life.

I you want to learn how to become more confident in life then you can join my weekly mentorship calls and 40+ online workshops at so you can master your life with more success.

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