Why Your 20s Are the Most Important Financial Decade of Your Life
Nobody told me my 20s were a financial deadline. I thought they were a warm-up. I spent most of my early twenties believing that serious financial decisions could wait. Wait until I earn more. Wait until I am more settled. Wait until I have a better picture of where my life is going. The twenties felt like a rehearsal — a period of exploration and experience before the real chapter began. I was wrong. And I was not alone in being wrong. This misunderstanding — that your 20s are for living and your 30s are for building — is one of the most expensive beliefs a young person can carry. Because the mathematics of compound growth does not wait for you to feel ready. It runs whether you participate or not. I am in my late twenties now. I work in banking. I see what a decade of financial decisions — or financial inaction — actually produces. And I can tell you with complete honesty: the gap between where people who started in their twenties are and where people who waited until the...