Go to the dentist. Get a little exercise. Find a way to reduce calories over the next 20 years, spend as little as possible. Borrow a little money for your car. Stay away from credit cards until you make enough to pay the cards in full every month. Keep track of every skill you learn on the job, using that information to transition into higher-paying jobs. Get a savings account. Spend as little as possible without skimping on food quality. Save 1 months salary and keep that in checking. At the end of each month, transfer everything above the target funds into savings. Save 3 months salary for an emergency fund. Once this financial foundation is established, divide additional funds into two buckets: one gets invested each month, the other is for major purchases and travel.
Get in shape. Lift weights, do cardio, eat healthy. Cut garbage food out of your life completely; no cheat days ever - it needs to be a complete lifestyle, not a “diet”. Learn what macros are, and follow them. Take up running, and make it a habit so that you run every. Single. Day, sun, shine, hail, or snow. (Yes, you can get snowshoes for running in snow. I like barefoot shoes, since that’s easier on my knees and back, but they take a long time to get used to.)
Get an education. Go to school. DO NOT FOLLOW YOUR PASSION; get an education in something that you can stand doing and will actually be employable. Following your passion and trying to make a living doing it leads to burnout. Let your passion be it’s own thing, instead of something that you try to make money from. EDIT - an “education” can also mean going to trade school, if you can’t stomach the idea of sitting behind a desk all day for 40 years. Yes, take English lit classes and art classes if you’re passionate about it, but do that for fun. Depending on a fun thing for keeping a roof over your head quickly leads to fun not being fun anymore.
DO NOT FOLLOW YOUR PASSION
Fuck this. I’m a computer guy who didn’t finish high school (credits wouldn’t transfer) and got a GED so I could start college early. I didn’t finish that either. I got a job among CS grads at one of the most prestigious tech companies because I spent a ton of energy learning about computers because that shit was exciting to me.
I’m bored and lazy as fuck about it now. I’m still learning new things (started a new homelab again two months ago) but it’s nothing like when I was younger and had a ton of energy to stay up until dawn learning. I had no future and it still worked out because I pursued my passion to the fullest degree.
If your passion isn’t marketable, perhaps this makes sense. But the all caps “this is a truth” way that this was presented really rubbed me the wrong way.
I love and support education. Go to school. Get an education. Most people will likely not build a career without that. But holy shit, if you’re hardcore about a thing and that thing can make you money, you might be able to do without the education only because your education comes from spending every minute of every day educating yourself outside of the system.
Ok, going back to bed. Apologies if any of this is muddled.
Relatable. I’ve been working in IT for over eight years now. I didn’t study it because I didn’t qualify for university and people constantly told me I am so bad at math that I would never work in the field. Here I am, doing exactly that, just because I was really interested in computer stuff in my youth and learned something new almost every day just by myself.
I was also able to study at a design school for two years. I have already used this knowlege to design brochures, logos and various other things for customers successfully. My art teacher in school always said to me I would never be able to do something like this because she just didn’t like my art style.
I’m glad I never listened to all of these people and did indeed follow my passion. The added bonus is that I actually like my job (most of the time).
Counterpoint to all the young people: Never listen to ANYONE who tells you not to follow your passion.
It’s better to try, fail and learn than it is to grow old and wonder what could have been
Trying and failing with a lot of passions means a lot of debt and lost time. Student debt happens to be debt that you can’t discharge through bankruptcy either.
But you ignored the central point - for most people, taking a thing that they love doing for enjoyment and turning it into something that they have to do every single day or risk being homeless sucks the love right out of it.
Do you have any data to back up your second point? I know dozens of people that have made careers out of passions that they discovered in high school and college. And those are only the people that I’ve asked about it.
But we could expand a little bit and make your claim more likely to be true, and also more reasonable. For example, if Jimmy loves playing the guitar, he could try to form a rock band and get successful enough to make a living touring. That’s kind of hard. Possible but the odds are against him. So he might try that and later transition to some other job that’s still in entertainment. This example, and generally the shift from a single job to something else that’s related to it, is something that young people should expect. Focusing too much on one area could be a weakness if you have to change jobs later. And in general, the majority of workers will make major changes to their careers at least once in their lives.
Whatever you’re thinking, don’t.
Wear earplugs at loud concerts and parties and at work if you have a noisy job.
People will make fun about you, but believe me, permanent tinnitus really sucks.
Yeah I am in my 40s and I when its quiet I hear that squealing and I really cant hear what I used to.
Plus, if you preserve your hearing you’ll be able to hear all the high dog whistle frequencies that everybody else won’t be able to, and you’ll feel just a tiny bit superior for no good reason.
Take care of your health in general, but take extra special care of your core. Your back will thank you in 20 years.
Especially if you have an office job. Get a really good and really expensive office chair with a flexible back and adjustable arm rests so you’re not sitting in the same position every time.
And also, take a walk every day. I do that every time on my break and haven’t had back problems in years.
Back and teeth are haunting me already at 31. Take care of them, it’s crucial for your quality of life!
The best raise you can get is by changing jobs. Businesses are not going to be loyal to you, there’s no benefit to being loyal to them - add either a customer or employee. Embrace and welcome change.
When you get a pay raise immediately increase your 401k (or equivalent retirement fund) by at least 1%.
Enjoy your 20s, they don’t last long but the person you are today is who you will feel like you are in 20 years. Don’t rush your life. There’s plenty of time to get married and have kids. You and your kids will benefit from you having an extra decade of experience before raising another human.
Forgive others and yourself quickly. You’re going to make a lot of mistakes and so are the people around you.
When things are great, even small things like a cup of coffee with a friend or a quiet morning, take a minute to say to yourself, “this is really great.” Say it out loud. Years later you will realize those moments are as good as it gets, and if you don’t mark them they just disappear. Bad moments stick around in your head regardless, but the good ones need to be memorialized.
if you don’t mark them
This is why, whenever I’m truly happy, I whip it out and pee in the nearest vaguely vertically-oriented object.
It’s easy to believe you’re invincible in your twenties. Or “later me can deal with it.”. As that later version of me, I’m not a huge fan of that earlier version in a lot of ways. It’s fine, I’m who I am for what I went through, and I’m righting the ship. But the more cans you kick down the road, the more you have to deal with later and the harder they are to deal with. Physically, mentally, financially. It’s ok to try to live life freely, but definitely be aware of this and consider kicking one less can every chance you get.
It’s ok to try to live life freely, but definitely be aware of this and consider kicking one less can every chance you get.
Got it.
So much this… Despite trying to drive defensively I have been involved in two major car accidents. The first one I walked away from, but the second one put me on Flight for Life. Despite the accident itself being pretty bad, the only physical issue was a broken leg that took a couple years to heal properly. However the REAL issue took longer to realize – something from that accident has caused me to have continued sleep issues since then. I’ll be on medications the rest of my life probably, and even then I still have trouble getting restful sleep if I’ve been physically active.
Yeah it’s easy to feel invincible when you’re young, and your body can heal from a lot, but just remember that those things can also fuck up your shit in ways you might not realize until years later. Things you take for granted now (like sleep) can really screw up your enjoyment of life when they don’t work right.
If you’re working in the attic, under the house, around dirt/dust/debris wear a mask/respirator. It’s so nice to be able to take deep breaths without coughing later in life (and outclass your peers in the stamina department) 👍
Pro tip: Even though they’re bigger and bulkier respirators are much more comfy than masks.
Drink more water, listen to your body, don’t give more to someone then they give to you, respect yourself, and your time.
don’t give more to someone then they give to you
I tend to disagree on that one. Random acts of kindness/selflessness to people, even complete strangers, can bring bonus satisfaction to your life (and sometimes will be paid back). Make it a habit to give to people, when you have the chance, especially if it is low effort.
If you have people around you that just constantly leech off of you, then I agree: don’t let yourself be sucked dry.
I was more referring to your final statement. Those who take and take and never give back to use you with little regard for your own happiness or safety.
Start saving for retirement now. You can make literally millions by putting away 10% of your income early on. Do it automatically so you never even notice the money gone.
If you are worried about making the wrong choice and your company doesn’t have a 401k, open an IRA somewhere (Fidelity if you need someone to make the decision for you) and pick a date targeted fund. Set up auto deposit. Never look at the balance.
You can always make it better later but for now the best thing to do is start. Don’t let analysis paralysis get in the way.
I don’t want to come off as insensitive, so I’ll try to phrase things carefully.
If you have even the slightest spare money per pay period, like $30, and a 401k or 403b is offered to you, you really need to do it.
That money comes out of your check before taxes, so you will be investing more money than what actually comes out of your check. By deduction 6% of a $15/hr full time job, you’re putting in $36, but your paycheck will only go down about $30-free money!
Many places will match you some, say half of that first 6%, so now you’re saving $54 while only being out $30. You’ve almost doubled your money in one week!
Come tax time, you’ve saved $1872, and you’ve been given a free $936. It doesn’t stop there though, because now you only are paying income tax on $29,328 instead of $31,200. If you get a tax rebate now, you will get even more back!
So now you’re saving $2808 a year at age 20. Let’s put that in one mutual fund, a SP500 index fund. Over the last 10 years, that has returned 12‰, but let’s be conservative and call it 10. If you never make a cent more per hour, by age 65, you will have saved $84,000 and your job has chipped in $42,000, over a year’s pay! But with that 10% compound interest, you have $2,000,000! You are a multi-millionaire for $30/wk!
If you get a raise or get a better job in the future, this number can be even higher.
Please keep this in mind. Even if you can’t do it now, do it ASAP. Here are the same numbers, but starting at 30 instead of 20.
Still amazing, but seeing this difference is why we older on ones tell you not saving earlier was our big regret.
I hope this was helpful and doesn’t get taken as a “pick yourself up by your bootstraps” thing.
Yes that’s cool and all but I have to pay rent and food and as things stand now the average salary is like enough to cover ⅓ of the rent
You entirely missed the point he was trying to make.
No, I understand what he’s trying to say. The point is: doing what he recommends requires having money to save up in the first place, and for a big portion of people in their 20s that’s not the case.
It’s valid, and it sucks. If you can even do $5, it’s worth it. But the world is absolutely against you right now. A lot of older folk don’t quite get how bad it’s gotten.
However, saving a dollar today is worth more than saving two dollars ten years from now. And having an emergency fund might actually save your life.
Hopefully something happens to shake up housing. These prices are absolutely criminal.
If 20 year old me put away 10% of her income, it would just mean borrowing more. Current me would just have more debt and be worse off than now.
Yeah a lot of people in there twenties can’t even spare 5%. I’m thirty and I can’t.
“Save money for retirement” Yeah so I can pick up painting? The only thing I’ll be able to paint is the ceiling if I want to retire.
Have you seen the price of emulsion?
Oh I was going to use the free stuff and use a 12 gauge brush
Question: If I had money saved in a 401k or Roth IRA, what if I died before I retired? What would happen to the money? Would it go back to the government or to a close relative?
You can (and should) assign a beneficiary for the account. They receive the money if you die.
You declare your beneficiaries when signing up - it goes to them, I believe.
Start a yoga practice and keep it up. In 20 years, you’ll thank yourself.
Or GMB or any other mobility-oriented practice!
Moisturize, use sunscreen. Protect your skin and you’ll look young even in old age.
Sunscreen sounds unmanly, but think about how you’ll feel with half your nose excised. Put it on your face especially!
Try to take the time to care for your mental and emotional health when you need to, then, instead of stewing for years and years. I made the mistake of rolling with it, turned 35, and I’m lucky to still be here at 40.
Still struggling. Wish I’d spoken with someone years ago.
Yeah seconding that. Try to find a way to deal with your monsters. Forgiveness or accepting that you won’t get justice, whatever. But don’t drink poison thinking the other guy will hurt. We all need to learn to heal, the process takes s long time. The earlier you start the better.
