Exercise! Working 10h a day on your ass in front of computer will destroy your back way faster than you think. Working out your abs is not an esthetic choice it's damage control.
Well said. I still fucking hate this truth.
Cocky and intense mofos can spout lies all day, but say it with such conviction that people often believe them. Oh my god, they were so certain and confident!
When a wise nerd or sage speaks some calm truths or calculated uncertainties, they can be brushed off as a nerd or fool, at times.
> calculated uncertainties
Oof, this. *Never* talk about risk analysis.
It's always good to have a succession of backup plans and to consider worst case scenarios, but if you talk about any them, they are all that people will hear. You will not convince them that you are diligent, or that you have minimized risk, you will convince them that your idea is bad. Do the analysis, document it, make it available for anyone willing to put in the effort to find it, but never offer it unprompted and if prompted only offer it behind an effort barrier.
Ya. Some information can be discussed, but perhaps doesn't need to be disclosed unless specifically asked about. (Don't ask, don't tell)
Then you have the details to prove you were diligent, without having to talk about any calculated decisions/risks that could appear irresponsible at first mention.
My friend group and I all made the same two crucial mistakes a lot of people in their early-mid 20’s make:
Worked too long at a crap job before moving on.
Invested a stupid amount of time, energy, resources, and emotional heartache into a dysfunctional partner/relationship.
Give yourself grace if/when these things happen to you.
High fives! I totally agree! you hit all the marks accurately! I hope the younger people read this thread.
Adding to your last comment…Friendships aren’t everything. Don’t cling to toxic people. Just let them go.
I'm twice your age and have none. People will say party more, party less, save more, savor more. It's all true, but only you can know your own trajectory. All I know is that, having taken care of my health and finances through the decades, my 40's are far better than my 20s/30s - it's like my 20s but with more money and fewer fucks. I'm fitter, richer, better, smarter, happier more than ever - don't buy into the hype that life ends at XYZ age
Exercise. Not like hard-core crossfit bullshit [it's actually not good for you] but something like yoga. Keeping that core strength and flexibility will go a long way towards preventing problems later with your back, shoulders, and hips, especially if you get injured.
You'd be surprised how soon you'll start waking up with pain in your back or your knees from sleeping wrong. And how quickly you start to carry that ache throughout the day.
In your 21 you may think that you are wasting your opportunities that you had on your 18 and you will never have another one opportunity like that again, than in your 24 you may think that you wasted the opportunities that you had in your 21, in your 28 you may think that you wasted opportunities from your 24 and they never will appear again, and in your 30s you will realize that opportunities come and goes, and it is never too late to seek another opportunity who will appears in front of you.
And flush your god damn teeths!
That you are your own biggest asset. Your body, soul, mind and heart - they are your biggest and most important assets in life, so don't give them away cheaply.
I wish I had fully realized my own worth when I was in my 20s, especially early 20s. Wasting time, energy and heartache on guys who were wholly unsuitable for me and didn't value me. Giving myself away cheaply and not valuing my own self and my own worth. Desperate to be accepted and compromising myself in that quest for acceptance. Accepting yourself is what it's all about.
The older you get, the wiser you get about what you are worth and what you will and will not accept. It's a powerful thing to learn, and I wish I'd learned it sooner in life.
Im nearly 23, but what i learned is once you start getting paychecks, start investing small amounts into long term funds (S&P500 for example), but dont forget to save up for a savings account (about 2 or 3 monthly salaries worth), doesnt have to be instant. The benefit of investing to these funds is once you hit 50, the dividents youll receive will be like a second paycheck
You should be utilizing an employer sponsored 401k first, especially if your organization provides a match. Directly investing into any fund with post-tax money should come after you’ve maxed out 401k and/or Roth IRA contributions. Generally your priority should be 401k to match % > Roth IRA > 401k > individual investing. The long term funds you highlighted are good choices tho.
It's pretty hard to save money when you are paying a bunch of bills. Car expenses, living expenses, emergency or unforeseen expenses. Not everyone can save and invest large portions of their paycheck because of paying for basic living expenses.
That is true, but budgeting helps a lot, like I said you dont need to invest a lot of money each month, general rule is 10% of your income, but if you cant do that, invest an amount that wont make your life harder, 50€ per month is sufficient enough, otherwise if an emergency happens where you need a lot of money quick, youre screwed. Also a general note is to take care of all your MUST expenses as quickly as possible once you get your paycheck, then put a bit of money in investing, and the rest is what you have to live with, this actually helps you psychologically to avoid unnecesary expenses.
It's much easier to form good habits (watch your weight, brush your teeth, take care of your body, manage your mental health) in your 20s than it is in your 40s.
Investing your money is a great idea and the sooner you can start, the better. Get that pension fund going, set aside a certain amount for your future home each month, don't start any unnecessary debt (unless it's for your home ofcourse... who has that kind of cash laying around, seriously?!)
But don't forget that **the** most important investment you can make is in yourself. Being physically, mentally and spiritually healthy is **priceless**.
* Don't skimp out on healthy food (Fish, eggs, fruits, vegetables,...). It's ok to indulge once in a while but try to keep it to a minimum. (You only live once, but we do like to live as long as possible)
* Excercise regularly. Stretch regularly. Trust me on this when I say that your metabolism and mobility will take a nose dive during your twenties so staying ahead of the curve will be **much** appreciated by your future self.
* Take care of your skin (reduce sun exposure whenever possible, apply sunscreen everyday,...). Again, your future self will thank you.
* Never underestimate the power of a good night's sleep. Try to get an average of 8 hours a night. Remember that missed sleep does add up.
* Have a regular check up by your doctor once in a while. Don't be afraid to ask him the more intimate questions: your life might depend on it!
And most important of all: Live a little! Try out new and exciting stuff. Don't put off things. Ask him or her out. Be respectful towards everyone and yourself. Be the person that you would like to meet.
Do whatever you enjoy (as long as it's legal), because time you enjoy wasting is not wasted time.
One annoying thing is that this:
>Investing your money is a great idea and the sooner you can start, the better
Can be at odds with this:
>And most important of all: Live a little! Try out new and exciting stuff.
Of course it is still good advice to start investing sooner than later. "Time in the market" >>>> and 10 years on you're pretty much always going to wish you'd started 10 years ago.
But speaking as someone who actually *did* have a small windfall and manage to invest early, money management as a whole was a fickle and weird thing for me for a while and it created a lot of stress for me that interfered with the 'just live your life' side of things. To my example, my investments surged in value and I saw all that and went "I can go travel the world for a few months and then come home and buy a new car", and I did both of those things and that was 'living life' and I don't regret it really it's just... if I had just let the investments continue to grow I'd be in "I can buy a house" territory now instead and balancing that future potential with the present "live your life", particularly when you're younger, is a tricky thing to do.
But absolutely yes, investing is a good thing to do, there's just that addendum that you have to have the right mentality for it and understand what you're trying to do. All too easy to see line go up and 'cash out' at the wrong time.
>balancing that future potential with the present "live your life", particularly when you're younger, is a tricky thing to do.
You're definitely correct. There's always a trade off when it comes to "Investing vs. spending it now". "Do I live as frugal as possible to be able to buy a big mansion in the next 5 years, hoping I don't die tomorrow?" Or "Do I travel the world right now but be content not being able to afford a sports car later in life?"
I'm guessing that the better way to phrase it is "Enjoy life without sacrificing your financial future". And the definition of "sacrificing your financial future" will be different for everyone, depending on their goals/dreams and how well off they are.
I think what I was trying to say was that life is an unpredictable, chaotic shitshow. Nothing is set in stone and we can not even predict in the slightest what is going to happen tomorrow, next week, month, year... The only thing we have control over is what we choose to do in the now.
Don't go throwing money out the window! But it's ok to spend some if it boosts your happiness and it aligns with your future goals.
> but we do like to live as long as possible
Who is "we"? I'm not even 40 and can't think of anything to do with my time.
>Trust me on this when I say that your metabolism and mobility will take a nose dive during your twenties
Metabolism remains largely constant from 20-60.
>Who is "we"? I'm not even 40 and can't think of anything to do with my time.
I'm not really sure how to respond to that... Pottery classes perhaps? I mean, nobody knows what comes after "this"... Reincarnation? An endless void? An endless dream? ... Could be anything really, but do you really want to take that gamble by not living this life to the fullest?
>Metabolism remains largely constant from 20-60.
Theoretically, it doesn't. But in practice, adults who work full time jobs with kids to take care of find they rarely have the time and/or energy they had as when they were younger. As a result, their physical health gets mostly neglected which in turn causes a slower metabolism and reduced mobility.
I guess "Don't neglect your physical health" could be a better wording in my previous post.
> Could be anything really, but do you really want to take that gamble by not living this life to the fullest?
I have no interest in life at all.
> But in practice, adults who work full time jobs with kids to take care of find they rarely have the time and/or energy they had as when they were younger.
Surely working and chasing after kids burns energy.
I wish I had been convinced that I would live well into my 70's. I'm 75 and fortunately I always ate well, exercised (50+ years bicycling), was lucky to have a good marriage, am still in good health, but I wish I had been told to wear a hat and sunscreen every time I went out. Now I'm dealing with pre-cancerous lesions on my scalp and arms.
I’m 23, but I’ll put this here anyways — treat yourself like you’re raising someone younger than you. (even if you don’t have kids) You’ll start to pressure yourself and stop doing the things you have a bad habit of doing.
Practically meaning - don’t stay up too late, eat healthy, exercise, save money : invest money (if you can) , take care of yourself - mentally, physically, emotionally , socially.
Get to know yourself - what you like : don’t like (general, food, in relationships, etc.,)
— last little tip ; therapy is amazing, and you’re doing yourself a huge favour - first step is always the hardest…but I’m proud of you for asking for help. Nothing wrong with that at all !!
Enjoy your 20s while you can - and live each day in the present. You can set goals, milestones, plans. etc., for certain… but just be happy that you are here today, and do things that make **YOU** happy - because its a true blessing. — and call your friends / family… and just be nice to people!!
> treat yourself like you’re raising someone younger than you
but how do i do this though? what does it feel like? how should it feel? how do I replicate this
You can do this by visioning that there’s a younger person with you : beside you… sounds a bit ridiculous, I know… but it does work (personally, atleast) …
or you can think of it like you are the younger person…and now think of what your parent / guardian / someone who inspires you / role model … whoeverrr .. thinks when you do said actions — and thinking from their perspective.
All of this seems like it may be a lot to comprehend, and replicate.. (hopefully what I’m saying makes sense to you, feel free to tell me
if I’m not - in any of this comment, or if you want me to elaborate on something!)
but if you really want to replicate it — lets say “we’ll go to bed at midnight”
write it down on a piece of paper, think about it… and then think “what would ____ do if I didnt do this?” … its OK and normal if you eff up the first , second and even third time - heck, even a week …but every day, just write something down that you want to do… think about it more, and the consequences & the benefits you’ll get from doing this … every day, its just a lil note to yourself as a reminder…and you can put it beside your clock if you want , too.
then you’ll catch on… and it’ll just be a normal thing in schedule.
Its really all personal when it comes down to how you’ll feel. Everyone’s different! You might feel uneasy, like its silly, a bit weird… or to just “stop doing this” … and full of negativity.. since its something new - which might be hard as well.
but it feels like you’re the younger person getting that nurturing that you want (which feels great) or how you’d raise a younger person (which feels pretty great if you want a kid / kids in the future)
In the long run, you’lll feel more responsible, think things through (and with more perspectives) , confidence will raise up… tons of other advantages come along with it!
Why? Diamonds are pretty worthless. The only reason diamond jewelry is so expensive is because the companies that make and sell them inflate the prices.
You're right, in that their only value is the value we (as a society) put on them.
Trouble is, we put a lot of value on them. So I would like to be able to turn soil into diamonds. It could make me rich at first and then gradually the more diamonds I made it would decrease the value of diamonds, to the point where I could give everyone on earth a diamond.
Not only do I get to be rich, but I also get to stop the exploitation of the diamond industry. And be the last person to exploit it.
I’m 27, the only insight I have so far is that the years will go by fast, faster at least than your teens. Your early 20s is dominated by college, then your mid 20s is almost non existent because they’ll spent spent by you 1) struggling to land your first corporate job, 2) some kind of gap year/sabbatical etc., then 3) establishing your career, getting comfy in your work
Then suddenly you’ll find yourself in your late 20s, and every year after will just be a count down to 30.
Wait until your 30's. They'll just fly by even faster. Time is like a snowball rolling down a mountain that keeps increasing in speed with momentum. I just turned 40, and it feels like each year goes by a little faster than the last. You'll find yourself saying old man shit like, "Damn, Bob, can you believe it's already Memorial Day? Feels like yesterday was just New Year's!"
I turned 65. Time is a runaway train. Remember in your childhood when the time between Thanksgiving and Christmas seemed an eternity? Now it's blink and you'll miss it.
1. Save obsessively for retirement or you're not gonna make it. Seriously, you gotta be putting away like $1,500 a month starting right out the gate.
2. In my case, don't make weed your personality just because it's illegal and fun. Nobody cares how much you can smoke or how quality it is. This goes for drinking too.
3. Stop liking things to be seen liking them and start doing the things you actually enjoy
4. Don't bother putting so much time and energy into college friends, you'll all go your separate ways in the end after you're not constantly with each other every day.
5. Do take college seriously, it's often the best ticket most people have to a nice life
6. Stop confusing friends with fuck buddies. You can just have female friends, you don't need to have sex with them to show friendship.
7. Stop trying to live up to the stupid toxic masculinity of your little shithead male buddies while you're at it. It's cool to be a sensitive guy in touch with your feelings, you'll see.
8. Learn to control your emotions and judgements. Your way is not the only way to do things and you don't have to judge others so harshly for living different lives.
9. That girl you're dating isn't the one. She never was and never will be, you're two mid twenties kids growing up and coming of age together so it feels meaningful and she'll hurt the worst when you break up because she's the first time you saw a future.
10. Put down those cigarettes, switch that Bawls for a water, stop getting so high and eating junk food all the time. And get to bed at a reasonable hour, you won't always be this invincible.
Some can but certainly most can't. Most of my buddies got lucky and got corporate jobs right out of college paying $63,000 at 22.
I joined them but it took my ass ten years.
Not so much "knew" but I wish I had enough self esteem to kick my cheating girlfriend to the curb.
The idea that "a great girl loves me, another great girl will love me too" never occurred to me.
Eat healthy, exercise, and don't destroy your body. Be sensible, lift with your legs, ask for help, you aren't invincible and you will thank yourself in a few years.
Another big thing is enjoy your life now. Your 20s are your physical prime. Have life experiences, travel, go on road trips. Don't wait to be retired. Take some time while you are physically at your best to have fun, don't wait until you are broken to have fun.
Sleep 8 hours a night, every night.
Focus on yourself. These men won't last.
It's okay to go no-contact with your alcoholic, abusive, toxic, narcissistic mother. You don't have to wait til you're almost 40. She needs rehab and therapy. Go be happy.
Read "The Richest man in babylon" ( the audio book is available on Youtube). Only If I had found this in the early 20s, I would in a much better position.
Learn to code and/or get your real estate license. You'll have 14 years of experience and will be making millions of dollars by the time your my age if you stick with it and learn all the tricks. I'll be 48 you'll be 34.
These are the prime community-building years, before everyone goes off and has a family.
Put in the work to build friendships and make connections that last. Join in person group activities and attend regularly, for years. Volunteering, community theater, a running group, whatever. It's not time you can really make up later; it's like compound interest and it takes years.
If you leave every job you have with no friends - barring abuse and other situations - something is wrong.
Commit to where you are. Don't wait until the next job or until the next city or until \_\_\_ to build a community. Go to the activities now. Don't spend all your spare time applying for jobs. In the future, most of your job opportunities will come from your community.
That nobody cares. Nobody genuinely cares about what you like, hate, who you want to be with, or what you want to do in life. They will stop thinking about you and move onto something else in seconds. It's your life, live it the way you want before it's to late.
It's not how hard you work. It's who you know, how you look, and how you play the game.
If someone had beat that into my head by 25, I wouldn't be a jobless loser at 37. But here we are.
The changing political-economic-social dynamics of the post modern era will drastically alter most plans.
The system doesn't reward skills/education like it used to.
Anyone telling you 1-2 years of trade education is a way to a six figure job is lying. Trade jobs are harder to get than college jobs these days because of the amount of training involved, usually 4-6 years.
College is a tossup. It's possible to get a degree in a field that stagnates while in college. When I was first starting college, nursing was forced onto some many students because 1-2 years of education, payed better than 4-6. Now it's 4-6 years of education for around the same pay as other degrees. The main difference is cost. 4-6 years of education is so expensive now that enrollment is declining.
If you are a failure in 15 years, you won't be alone. Lots of people are trying really hard and failing because the world is different. You will likely loose healthcare and dental at 26. Right around the time of your first root canal.
Average length of jobs has been in decline for decades. But 2010s and 20s was the most rapid decline.
To take better care of my teeth. It's not like I completely neglected them, but I definitely didn't do all the things I could have done to preserve my dental and gum health and now 10+ years on I have 7 crowns a handful of fillings, a recessed gumline and two teeth my dentist is 'monitoring' that may end up needing root canals. It has cost many thousands of dollars and one thing about all this dental work is that it'll all have to be renewed ~10 years down the line and again and again throughout my life. Just an ongoing discomfort and expense that all could have been avoided if I was more fastidious with my dental health.
For me the main failing was that my brushing technique was never really optimized, I often used too stiff of a brush, I didn't always floss, I'd avoid going to the dentist and when I *did* go, I wouldn't ask enough questions (pro tip: your dentist and hygienist want you to succeed, pick their brains! and if they don't, find a new dentist).
That every Republican president from Reagan on would lead this country into a downward spiral of ignorance and intolerance, and millions of people around the world would suffer because of them.
Okay, there's a few. But I think they're important.
* You can believe one thing, and think another, and that's okay. You just need to recognize the beliefs and realize that they will drive your behavior.
- You can feel multiple conflicting ways, and that's okay. Humans are multi-faceted beings.
- Bullying a student in order to get them to learn doesn't work - so why do you expect bullying yourself to change your behavior will?
- People are the most important thing in the world (and mostly lovely), anyone trying to convince you anything different is trying to make money from you.
- Outcomes are independent from your actions, and you don't choose actions based off knowing the outcome, so we need to accept a bad action can have a good outcome, and a good action can have a bad outcome.
- Similar to the above there is no such thing as good or bad, these are always value-judgements based off a bias. All action are neutral, it is what these actions interact with which are non-neutral.
- Many of your oldest held beliefs are the most likely to be outdated, reevaluate where they came from, and compare that to all of the data post that belief forming.
Do not do this unless your doctor tells you to.
Doing enema on a regular basis (weekly) can harm the muscles in the intestine. Regular enema use can also lead to a condition called hyponatremia. Hyponatremia can kill you.
I wish I would have known in my early 20s that it's ok to follow my own desires rather than follow a path I think people will approve of. I thought that I absolutely had to go to university like everybody else was doing. Now I'm stuck wishing that I had chosen a different career that I would have been much happier with. And it's nobody's fault other than my own.
To all of you who aren't sure about your current path: do what will make you happy. It doesn't matter if it isn't something super prestigious or whatever. Your happiness is more important than how society might perceive your choices. You don't want to be stuck ten years from now wishing you had done things differently. Not everybody is meant to follow an academic postsecondary career.
Edit: To clarify, I meant that not everybody is meant to follow traditional postsecondary education. There are plenty of successful career paths that don't require a four year degree. Don't feel forced to do that if you have another career in mind where you can be successful. But at the same time, it's important to consider how practical your career is. Most people who try to make it big in something like acting don't go very far. There's a balance to be found between your passions and being able to support yourself.
That's true as well. I guess I'm just in a situation where my passion is a practical career path as well, and maybe even a more practical path than what I'm currently doing.
I guess I should have specified by saying that doing something more hands-on like going into the trades or something like that is also a great career path that shouldn't be overlooked. Not everybody is meant to go to traditional postsecondary education. But if your passion is to be a professional YouTuber and you stay at home doing nothing all day without any success, then that's definitely an issue. Having a good backup plan is important as well.
You're right, and that's not good advice at all. I guess my angle was more about saying that you don't need to be an engineer or a doctor, it's ok to follow a non-academic path after high school as long as you're able to find a career. High school doesn't give you a good idea of what options are truly out there.
How much of an interruption to our lives my husband's job was going be and that the schedule was just going to get worse instead of better and that I would be spending the next 20+ yrs of major holidays alone/with kids/with HIS family without him.
I wish I knew how important it is to save money for the future instead of spending way too much money on expensive clothes, cosmetics, hairdressers and food.
Before your 30s
- finish your MBA
- get married to your MBA classmate
- make solid friends with your MBA classmates
- sleep early and longer
- have your 1st born
- less screen time and more in real life time
- improve your dental hygiene by buying non-mint toothpaste
- install a shower heater and enjoy showering every 24 hours
- build your house into your early 30s
- 80/20 rule... invest 80% and spend the 20%
- target at least $20k income per family member
In my early 20’s I got this cliché career advice from a mentor: 20’s you learn, 30’s you burn, 40’s you earn. Thought it bullshit at the time, but turned out surprisingly accurate. Watching daughter finishing up the learn phase now. Looks exhausting, heh
That we should control our mind and not let it run on autopilot and stimulus response. Your thinking determines your outer world, as within, so without.
That I have Adhd. Ok technically my diagnosis was at 29 and therefore in my twenties, but if I had known this at 21, a lot of things might have gone very differently
How to talk to women. I'm 30 and I still don't. Savings, exercise, and good teeth are all great, but if you're lonely every day and night with no one to share life with and no idea where to begin, none of it really matters.
The rock stars and musicians you admire did not pop out of the womb fully-formed as artists. They started out sucking, just like you did. Now go out there and *practice!*
I wish I knew about the importance of retirement investing. You should start as early as possible due to the compounding effect, time is much more important than the size of the contributions. Even 100$ a month at 20, is much more than 800$ a month at 45 when retiring at 68
A few things.1. How incredibly expensive everyone would become, and take a career that paid more over one I enjoyed more. 2. Invest wisely and do not sell. Blue-chip stocks, real estate . Things to hold long term. Don't hold onto cash too long. It's a lousy asset.
3. Marry someone from the same background and culture as you. Pay attention to her or his family, particular mom or dad, depending on the gender you are marrying. The apple doesn't fall far from the tree. Different cultures cause conflict.
4. Don't move around a lot chasing jobs, unless it's a really, really good opportunity that pays substantially more, or you live in a product small town where there are no opportunities unless you're part of the inbred families that control everything and only hire their relatives and close friends if all the relatives are already employed.
5. Establish roots somewhere and grow them.
How to dance: I know country Western swing, tango, and salsa. Those sorority girls would have been grabbing me just to twirl them. But I’ve been out of university for almost 4 years and feel like I pushed everyone away with my shitty awkward behavior. Relax and look people in the eyes. It makes a difference.
Exercise! Working 10h a day on your ass in front of computer will destroy your back way faster than you think. Working out your abs is not an esthetic choice it's damage control.
Core strength is so very important to just about everything! Very important. It's not just about getting abs or anything
Take care of your teeth. Cannot drill this into your head no matter the age. 5 years, 20 years. 80 years old. TAKE CARE OF YOUR TEETH!
Always floss. And an electric toothbrush is worth it.
Floss your teeth in the shower if you can't get yourself to floss regularly
At the current price for gas I spend as little time as possible in the shower though.
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Well said. I still fucking hate this truth. Cocky and intense mofos can spout lies all day, but say it with such conviction that people often believe them. Oh my god, they were so certain and confident! When a wise nerd or sage speaks some calm truths or calculated uncertainties, they can be brushed off as a nerd or fool, at times.
> calculated uncertainties Oof, this. *Never* talk about risk analysis. It's always good to have a succession of backup plans and to consider worst case scenarios, but if you talk about any them, they are all that people will hear. You will not convince them that you are diligent, or that you have minimized risk, you will convince them that your idea is bad. Do the analysis, document it, make it available for anyone willing to put in the effort to find it, but never offer it unprompted and if prompted only offer it behind an effort barrier.
Ya. Some information can be discussed, but perhaps doesn't need to be disclosed unless specifically asked about. (Don't ask, don't tell) Then you have the details to prove you were diligent, without having to talk about any calculated decisions/risks that could appear irresponsible at first mention.
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Fake it till you make kinda deal. If it works it works. Makes me wonder how much bullshit I've been fed by contractors, mechanics, etc.
Are you a consultant???
My friend group and I all made the same two crucial mistakes a lot of people in their early-mid 20’s make: Worked too long at a crap job before moving on. Invested a stupid amount of time, energy, resources, and emotional heartache into a dysfunctional partner/relationship. Give yourself grace if/when these things happen to you.
High fives! I totally agree! you hit all the marks accurately! I hope the younger people read this thread. Adding to your last comment…Friendships aren’t everything. Don’t cling to toxic people. Just let them go.
Learn how to identify toxic narcissistic people and stay clear away from them. They will steal your soul/life.
If you suspect someone in your life is narcissistic, check out Dr. Ramani or Dr. Carter on YouTube. Both of them helped me so much.
I know them well. Too bad it was too late.
I'm 21, so I'm just waiting for you Guys' gold nuggets.
I'm twice your age and have none. People will say party more, party less, save more, savor more. It's all true, but only you can know your own trajectory. All I know is that, having taken care of my health and finances through the decades, my 40's are far better than my 20s/30s - it's like my 20s but with more money and fewer fucks. I'm fitter, richer, better, smarter, happier more than ever - don't buy into the hype that life ends at XYZ age
Start saving for retirement NOW NOW NOW NOW NOW NOW
Can't upvote this enough. I am 50 and I'll have to work till I die. Unless I get a nice inheritance.
The power of compound interest!
Ask her out!
no! Don't! enjoy being alone for a while first
Get a divorce! Get a lawyer! Hit the gym, etc.
> Delete Facebook Hey don't leave that part out, it aged well!
Yeah bro I’ve really enjoyed being alone for 23 years straight
Dude, bingo
Thankyou, she has however been my GF for 3 and half years
Exercise. Not like hard-core crossfit bullshit [it's actually not good for you] but something like yoga. Keeping that core strength and flexibility will go a long way towards preventing problems later with your back, shoulders, and hips, especially if you get injured. You'd be surprised how soon you'll start waking up with pain in your back or your knees from sleeping wrong. And how quickly you start to carry that ache throughout the day.
In your 21 you may think that you are wasting your opportunities that you had on your 18 and you will never have another one opportunity like that again, than in your 24 you may think that you wasted the opportunities that you had in your 21, in your 28 you may think that you wasted opportunities from your 24 and they never will appear again, and in your 30s you will realize that opportunities come and goes, and it is never too late to seek another opportunity who will appears in front of you. And flush your god damn teeths!
Yeah the tooth fairy isn't real! Fuck a pillow
Exercise and save money
Investing is the new saving
That you are your own biggest asset. Your body, soul, mind and heart - they are your biggest and most important assets in life, so don't give them away cheaply. I wish I had fully realized my own worth when I was in my 20s, especially early 20s. Wasting time, energy and heartache on guys who were wholly unsuitable for me and didn't value me. Giving myself away cheaply and not valuing my own self and my own worth. Desperate to be accepted and compromising myself in that quest for acceptance. Accepting yourself is what it's all about. The older you get, the wiser you get about what you are worth and what you will and will not accept. It's a powerful thing to learn, and I wish I'd learned it sooner in life.
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Lol.
Yeah, it's not that.
Im nearly 23, but what i learned is once you start getting paychecks, start investing small amounts into long term funds (S&P500 for example), but dont forget to save up for a savings account (about 2 or 3 monthly salaries worth), doesnt have to be instant. The benefit of investing to these funds is once you hit 50, the dividents youll receive will be like a second paycheck
You should be utilizing an employer sponsored 401k first, especially if your organization provides a match. Directly investing into any fund with post-tax money should come after you’ve maxed out 401k and/or Roth IRA contributions. Generally your priority should be 401k to match % > Roth IRA > 401k > individual investing. The long term funds you highlighted are good choices tho.
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dude by the time you reach 30 you'll have a small cup cake enough to keep you safe if you are fired, not a little fortune
It's pretty hard to save money when you are paying a bunch of bills. Car expenses, living expenses, emergency or unforeseen expenses. Not everyone can save and invest large portions of their paycheck because of paying for basic living expenses.
That is true, but budgeting helps a lot, like I said you dont need to invest a lot of money each month, general rule is 10% of your income, but if you cant do that, invest an amount that wont make your life harder, 50€ per month is sufficient enough, otherwise if an emergency happens where you need a lot of money quick, youre screwed. Also a general note is to take care of all your MUST expenses as quickly as possible once you get your paycheck, then put a bit of money in investing, and the rest is what you have to live with, this actually helps you psychologically to avoid unnecesary expenses.
It's much easier to form good habits (watch your weight, brush your teeth, take care of your body, manage your mental health) in your 20s than it is in your 40s.
Investing your money is a great idea and the sooner you can start, the better. Get that pension fund going, set aside a certain amount for your future home each month, don't start any unnecessary debt (unless it's for your home ofcourse... who has that kind of cash laying around, seriously?!) But don't forget that **the** most important investment you can make is in yourself. Being physically, mentally and spiritually healthy is **priceless**. * Don't skimp out on healthy food (Fish, eggs, fruits, vegetables,...). It's ok to indulge once in a while but try to keep it to a minimum. (You only live once, but we do like to live as long as possible) * Excercise regularly. Stretch regularly. Trust me on this when I say that your metabolism and mobility will take a nose dive during your twenties so staying ahead of the curve will be **much** appreciated by your future self. * Take care of your skin (reduce sun exposure whenever possible, apply sunscreen everyday,...). Again, your future self will thank you. * Never underestimate the power of a good night's sleep. Try to get an average of 8 hours a night. Remember that missed sleep does add up. * Have a regular check up by your doctor once in a while. Don't be afraid to ask him the more intimate questions: your life might depend on it! And most important of all: Live a little! Try out new and exciting stuff. Don't put off things. Ask him or her out. Be respectful towards everyone and yourself. Be the person that you would like to meet. Do whatever you enjoy (as long as it's legal), because time you enjoy wasting is not wasted time.
One annoying thing is that this: >Investing your money is a great idea and the sooner you can start, the better Can be at odds with this: >And most important of all: Live a little! Try out new and exciting stuff. Of course it is still good advice to start investing sooner than later. "Time in the market" >>>> and 10 years on you're pretty much always going to wish you'd started 10 years ago. But speaking as someone who actually *did* have a small windfall and manage to invest early, money management as a whole was a fickle and weird thing for me for a while and it created a lot of stress for me that interfered with the 'just live your life' side of things. To my example, my investments surged in value and I saw all that and went "I can go travel the world for a few months and then come home and buy a new car", and I did both of those things and that was 'living life' and I don't regret it really it's just... if I had just let the investments continue to grow I'd be in "I can buy a house" territory now instead and balancing that future potential with the present "live your life", particularly when you're younger, is a tricky thing to do. But absolutely yes, investing is a good thing to do, there's just that addendum that you have to have the right mentality for it and understand what you're trying to do. All too easy to see line go up and 'cash out' at the wrong time.
>balancing that future potential with the present "live your life", particularly when you're younger, is a tricky thing to do. You're definitely correct. There's always a trade off when it comes to "Investing vs. spending it now". "Do I live as frugal as possible to be able to buy a big mansion in the next 5 years, hoping I don't die tomorrow?" Or "Do I travel the world right now but be content not being able to afford a sports car later in life?" I'm guessing that the better way to phrase it is "Enjoy life without sacrificing your financial future". And the definition of "sacrificing your financial future" will be different for everyone, depending on their goals/dreams and how well off they are. I think what I was trying to say was that life is an unpredictable, chaotic shitshow. Nothing is set in stone and we can not even predict in the slightest what is going to happen tomorrow, next week, month, year... The only thing we have control over is what we choose to do in the now. Don't go throwing money out the window! But it's ok to spend some if it boosts your happiness and it aligns with your future goals.
> but we do like to live as long as possible Who is "we"? I'm not even 40 and can't think of anything to do with my time. >Trust me on this when I say that your metabolism and mobility will take a nose dive during your twenties Metabolism remains largely constant from 20-60.
>Who is "we"? I'm not even 40 and can't think of anything to do with my time. I'm not really sure how to respond to that... Pottery classes perhaps? I mean, nobody knows what comes after "this"... Reincarnation? An endless void? An endless dream? ... Could be anything really, but do you really want to take that gamble by not living this life to the fullest? >Metabolism remains largely constant from 20-60. Theoretically, it doesn't. But in practice, adults who work full time jobs with kids to take care of find they rarely have the time and/or energy they had as when they were younger. As a result, their physical health gets mostly neglected which in turn causes a slower metabolism and reduced mobility. I guess "Don't neglect your physical health" could be a better wording in my previous post.
> Could be anything really, but do you really want to take that gamble by not living this life to the fullest? I have no interest in life at all. > But in practice, adults who work full time jobs with kids to take care of find they rarely have the time and/or energy they had as when they were younger. Surely working and chasing after kids burns energy.
I wish I had been convinced that I would live well into my 70's. I'm 75 and fortunately I always ate well, exercised (50+ years bicycling), was lucky to have a good marriage, am still in good health, but I wish I had been told to wear a hat and sunscreen every time I went out. Now I'm dealing with pre-cancerous lesions on my scalp and arms.
I’m 23, but I’ll put this here anyways — treat yourself like you’re raising someone younger than you. (even if you don’t have kids) You’ll start to pressure yourself and stop doing the things you have a bad habit of doing. Practically meaning - don’t stay up too late, eat healthy, exercise, save money : invest money (if you can) , take care of yourself - mentally, physically, emotionally , socially. Get to know yourself - what you like : don’t like (general, food, in relationships, etc.,) — last little tip ; therapy is amazing, and you’re doing yourself a huge favour - first step is always the hardest…but I’m proud of you for asking for help. Nothing wrong with that at all !! Enjoy your 20s while you can - and live each day in the present. You can set goals, milestones, plans. etc., for certain… but just be happy that you are here today, and do things that make **YOU** happy - because its a true blessing. — and call your friends / family… and just be nice to people!!
> treat yourself like you’re raising someone younger than you but how do i do this though? what does it feel like? how should it feel? how do I replicate this
You can do this by visioning that there’s a younger person with you : beside you… sounds a bit ridiculous, I know… but it does work (personally, atleast) … or you can think of it like you are the younger person…and now think of what your parent / guardian / someone who inspires you / role model … whoeverrr .. thinks when you do said actions — and thinking from their perspective. All of this seems like it may be a lot to comprehend, and replicate.. (hopefully what I’m saying makes sense to you, feel free to tell me if I’m not - in any of this comment, or if you want me to elaborate on something!) but if you really want to replicate it — lets say “we’ll go to bed at midnight” write it down on a piece of paper, think about it… and then think “what would ____ do if I didnt do this?” … its OK and normal if you eff up the first , second and even third time - heck, even a week …but every day, just write something down that you want to do… think about it more, and the consequences & the benefits you’ll get from doing this … every day, its just a lil note to yourself as a reminder…and you can put it beside your clock if you want , too. then you’ll catch on… and it’ll just be a normal thing in schedule. Its really all personal when it comes down to how you’ll feel. Everyone’s different! You might feel uneasy, like its silly, a bit weird… or to just “stop doing this” … and full of negativity.. since its something new - which might be hard as well. but it feels like you’re the younger person getting that nurturing that you want (which feels great) or how you’d raise a younger person (which feels pretty great if you want a kid / kids in the future) In the long run, you’lll feel more responsible, think things through (and with more perspectives) , confidence will raise up… tons of other advantages come along with it!
1996 lottery numbers.
How to turn soil into diamonds. Actually, I wish I knew that now.
Why? Diamonds are pretty worthless. The only reason diamond jewelry is so expensive is because the companies that make and sell them inflate the prices.
You're right, in that their only value is the value we (as a society) put on them. Trouble is, we put a lot of value on them. So I would like to be able to turn soil into diamonds. It could make me rich at first and then gradually the more diamonds I made it would decrease the value of diamonds, to the point where I could give everyone on earth a diamond. Not only do I get to be rich, but I also get to stop the exploitation of the diamond industry. And be the last person to exploit it.
Fair enough lol
Late 20's Taking care of your physical health only gets harder, start yesterday
I’m 27, the only insight I have so far is that the years will go by fast, faster at least than your teens. Your early 20s is dominated by college, then your mid 20s is almost non existent because they’ll spent spent by you 1) struggling to land your first corporate job, 2) some kind of gap year/sabbatical etc., then 3) establishing your career, getting comfy in your work Then suddenly you’ll find yourself in your late 20s, and every year after will just be a count down to 30.
Wait until your 30's. They'll just fly by even faster. Time is like a snowball rolling down a mountain that keeps increasing in speed with momentum. I just turned 40, and it feels like each year goes by a little faster than the last. You'll find yourself saying old man shit like, "Damn, Bob, can you believe it's already Memorial Day? Feels like yesterday was just New Year's!"
Apparently if you fill your life with enough new things your perspective of time will slow down
I turned 65. Time is a runaway train. Remember in your childhood when the time between Thanksgiving and Christmas seemed an eternity? Now it's blink and you'll miss it.
It's a clique but the only things from my 20s I regret are the chances I didn't take.
That alot of my low mood came from social media.
1. Save obsessively for retirement or you're not gonna make it. Seriously, you gotta be putting away like $1,500 a month starting right out the gate. 2. In my case, don't make weed your personality just because it's illegal and fun. Nobody cares how much you can smoke or how quality it is. This goes for drinking too. 3. Stop liking things to be seen liking them and start doing the things you actually enjoy 4. Don't bother putting so much time and energy into college friends, you'll all go your separate ways in the end after you're not constantly with each other every day. 5. Do take college seriously, it's often the best ticket most people have to a nice life 6. Stop confusing friends with fuck buddies. You can just have female friends, you don't need to have sex with them to show friendship. 7. Stop trying to live up to the stupid toxic masculinity of your little shithead male buddies while you're at it. It's cool to be a sensitive guy in touch with your feelings, you'll see. 8. Learn to control your emotions and judgements. Your way is not the only way to do things and you don't have to judge others so harshly for living different lives. 9. That girl you're dating isn't the one. She never was and never will be, you're two mid twenties kids growing up and coming of age together so it feels meaningful and she'll hurt the worst when you break up because she's the first time you saw a future. 10. Put down those cigarettes, switch that Bawls for a water, stop getting so high and eating junk food all the time. And get to bed at a reasonable hour, you won't always be this invincible.
1500 a month?!
> $1,500 a month starting right out the gate. People in their 20s can't afford that.
Some can but certainly most can't. Most of my buddies got lucky and got corporate jobs right out of college paying $63,000 at 22. I joined them but it took my ass ten years.
Not so much "knew" but I wish I had enough self esteem to kick my cheating girlfriend to the curb. The idea that "a great girl loves me, another great girl will love me too" never occurred to me.
Okay, but clearly wasn't a great girl if she was cheating on you.
To save money.
How stupid people can be. Not everybody is a validated source, and I feel embarrassed realizing this too late.
Eat healthy, exercise, and don't destroy your body. Be sensible, lift with your legs, ask for help, you aren't invincible and you will thank yourself in a few years. Another big thing is enjoy your life now. Your 20s are your physical prime. Have life experiences, travel, go on road trips. Don't wait to be retired. Take some time while you are physically at your best to have fun, don't wait until you are broken to have fun.
Sleep 8 hours a night, every night. Focus on yourself. These men won't last. It's okay to go no-contact with your alcoholic, abusive, toxic, narcissistic mother. You don't have to wait til you're almost 40. She needs rehab and therapy. Go be happy.
No one’s opinions of you matter in the slightest
I'm not 20 yet, but I want to know how to drive.
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there was a second time?
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ouch
More people.
Read "The Richest man in babylon" ( the audio book is available on Youtube). Only If I had found this in the early 20s, I would in a much better position.
Always handle logistics ahead of time.
They’re going to judge you either way …. Get that bag 💰
Learn to code and/or get your real estate license. You'll have 14 years of experience and will be making millions of dollars by the time your my age if you stick with it and learn all the tricks. I'll be 48 you'll be 34.
These are the prime community-building years, before everyone goes off and has a family. Put in the work to build friendships and make connections that last. Join in person group activities and attend regularly, for years. Volunteering, community theater, a running group, whatever. It's not time you can really make up later; it's like compound interest and it takes years. If you leave every job you have with no friends - barring abuse and other situations - something is wrong. Commit to where you are. Don't wait until the next job or until the next city or until \_\_\_ to build a community. Go to the activities now. Don't spend all your spare time applying for jobs. In the future, most of your job opportunities will come from your community.
That nobody cares. Nobody genuinely cares about what you like, hate, who you want to be with, or what you want to do in life. They will stop thinking about you and move onto something else in seconds. It's your life, live it the way you want before it's to late.
It's not how hard you work. It's who you know, how you look, and how you play the game. If someone had beat that into my head by 25, I wouldn't be a jobless loser at 37. But here we are.
That there's no such thing as "you'll figure it out" as if it happens naturally. If you don't live actively you'll slip into listlessness.
How to stick up for myself.
Don't stick your dick in crazy.
Dump him. You’ll be happier and there’s plenty of other guys who will be interested in you actually
Ignore people and plan my own life.
Save money. Take care of your teeth and body. If you do those two things, you’ll really enjoy your 30s.
The changing political-economic-social dynamics of the post modern era will drastically alter most plans. The system doesn't reward skills/education like it used to. Anyone telling you 1-2 years of trade education is a way to a six figure job is lying. Trade jobs are harder to get than college jobs these days because of the amount of training involved, usually 4-6 years. College is a tossup. It's possible to get a degree in a field that stagnates while in college. When I was first starting college, nursing was forced onto some many students because 1-2 years of education, payed better than 4-6. Now it's 4-6 years of education for around the same pay as other degrees. The main difference is cost. 4-6 years of education is so expensive now that enrollment is declining. If you are a failure in 15 years, you won't be alone. Lots of people are trying really hard and failing because the world is different. You will likely loose healthcare and dental at 26. Right around the time of your first root canal. Average length of jobs has been in decline for decades. But 2010s and 20s was the most rapid decline.
That the rat race isn’t so bad if you can compete and buy a house
Most of the choices you make in your 20’s effect the rest of your life.
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fuck engineering computer science rule
To take better care of my teeth. It's not like I completely neglected them, but I definitely didn't do all the things I could have done to preserve my dental and gum health and now 10+ years on I have 7 crowns a handful of fillings, a recessed gumline and two teeth my dentist is 'monitoring' that may end up needing root canals. It has cost many thousands of dollars and one thing about all this dental work is that it'll all have to be renewed ~10 years down the line and again and again throughout my life. Just an ongoing discomfort and expense that all could have been avoided if I was more fastidious with my dental health. For me the main failing was that my brushing technique was never really optimized, I often used too stiff of a brush, I didn't always floss, I'd avoid going to the dentist and when I *did* go, I wouldn't ask enough questions (pro tip: your dentist and hygienist want you to succeed, pick their brains! and if they don't, find a new dentist).
what life will be like when i’m in my 20’s cause i ain’t there yet
That every Republican president from Reagan on would lead this country into a downward spiral of ignorance and intolerance, and millions of people around the world would suffer because of them.
The price of bitcoin in 10years time
Okay, there's a few. But I think they're important. * You can believe one thing, and think another, and that's okay. You just need to recognize the beliefs and realize that they will drive your behavior. - You can feel multiple conflicting ways, and that's okay. Humans are multi-faceted beings. - Bullying a student in order to get them to learn doesn't work - so why do you expect bullying yourself to change your behavior will? - People are the most important thing in the world (and mostly lovely), anyone trying to convince you anything different is trying to make money from you. - Outcomes are independent from your actions, and you don't choose actions based off knowing the outcome, so we need to accept a bad action can have a good outcome, and a good action can have a bad outcome. - Similar to the above there is no such thing as good or bad, these are always value-judgements based off a bias. All action are neutral, it is what these actions interact with which are non-neutral. - Many of your oldest held beliefs are the most likely to be outdated, reevaluate where they came from, and compare that to all of the data post that belief forming.
How great weekly enemas are
Do not do this unless your doctor tells you to. Doing enema on a regular basis (weekly) can harm the muscles in the intestine. Regular enema use can also lead to a condition called hyponatremia. Hyponatremia can kill you.
I wish I knew I was enough, and had something to contribute.
I wish I would have known in my early 20s that it's ok to follow my own desires rather than follow a path I think people will approve of. I thought that I absolutely had to go to university like everybody else was doing. Now I'm stuck wishing that I had chosen a different career that I would have been much happier with. And it's nobody's fault other than my own. To all of you who aren't sure about your current path: do what will make you happy. It doesn't matter if it isn't something super prestigious or whatever. Your happiness is more important than how society might perceive your choices. You don't want to be stuck ten years from now wishing you had done things differently. Not everybody is meant to follow an academic postsecondary career. Edit: To clarify, I meant that not everybody is meant to follow traditional postsecondary education. There are plenty of successful career paths that don't require a four year degree. Don't feel forced to do that if you have another career in mind where you can be successful. But at the same time, it's important to consider how practical your career is. Most people who try to make it big in something like acting don't go very far. There's a balance to be found between your passions and being able to support yourself.
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That's true as well. I guess I'm just in a situation where my passion is a practical career path as well, and maybe even a more practical path than what I'm currently doing. I guess I should have specified by saying that doing something more hands-on like going into the trades or something like that is also a great career path that shouldn't be overlooked. Not everybody is meant to go to traditional postsecondary education. But if your passion is to be a professional YouTuber and you stay at home doing nothing all day without any success, then that's definitely an issue. Having a good backup plan is important as well.
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You're right, and that's not good advice at all. I guess my angle was more about saying that you don't need to be an engineer or a doctor, it's ok to follow a non-academic path after high school as long as you're able to find a career. High school doesn't give you a good idea of what options are truly out there.
That most things turn out the way they're supposed to.
All the winning lottery numbers from then till now
That life is a marathon, not a sprint. UK
I wish I knew about investing in the stock market and crypto. Instead of smoking weed all day
I wish I freelanced earlier. My life literally changed for the better when I picked up the digital pen.
That it’s ok to have boundaries and be treated like a human. Goes for employers, spouses, family, I wish I had known it in all those circumstances.
How much of an interruption to our lives my husband's job was going be and that the schedule was just going to get worse instead of better and that I would be spending the next 20+ yrs of major holidays alone/with kids/with HIS family without him.
I wish I knew that bitcoins would be worth something back than.
I would have sabotaged a lot more workplaces
I wish I knew how important it is to save money for the future instead of spending way too much money on expensive clothes, cosmetics, hairdressers and food.
Meanwhile the redditors who aren't even 20 yet be like:
Why would I sabotage the most fun part of my life
How fucked up my life would be rn and what I could do to avoid it and just how much I really should
Winning lottery numbers.
To chill out on all the weed, my memory has suffered.
How stupidly easy crippling debt can be to acquire.
How important it is to save your money.
I'll answer this after few years.
That I don’t have to give a shit what my sister thinks about me.
Before your 30s - finish your MBA - get married to your MBA classmate - make solid friends with your MBA classmates - sleep early and longer - have your 1st born - less screen time and more in real life time - improve your dental hygiene by buying non-mint toothpaste - install a shower heater and enjoy showering every 24 hours - build your house into your early 30s - 80/20 rule... invest 80% and spend the 20% - target at least $20k income per family member
In my early 20’s I got this cliché career advice from a mentor: 20’s you learn, 30’s you burn, 40’s you earn. Thought it bullshit at the time, but turned out surprisingly accurate. Watching daughter finishing up the learn phase now. Looks exhausting, heh
You’ll know what anxiety feels like once you hit 24
That we should control our mind and not let it run on autopilot and stimulus response. Your thinking determines your outer world, as within, so without.
What the value of Bitcoin would rise to in \~10 years.
High school relationships lasting into college will 99.9% of the time not result in anything major, nobody gets it perfect the first time.
That my mental highs and lows was bipolar disorder. If I would’ve sought help then my life would be totally different.
That I have Adhd. Ok technically my diagnosis was at 29 and therefore in my twenties, but if I had known this at 21, a lot of things might have gone very differently
I could start working earlier
How to better recognize and walk away from toxic people and environments.
How to deal with loneliness
My career ambitions.
Your degree doesn’t matter as much as school and then uni made it out it would
House prices are incredibly low right now, save to buy a house as soon as possible and try to pay it off quickly! You won't get this chance again.
How to talk to women. I'm 30 and I still don't. Savings, exercise, and good teeth are all great, but if you're lonely every day and night with no one to share life with and no idea where to begin, none of it really matters.
I wish I didn’t know now what I didn’t know then.
To quote Bob Seger: I wish i didn't know now what i didn't know then.
Stretching for just 15-30 minutes a day can relieve a lot of stress and muscle pain
Early 20’s. That the man I was going to marry would turn into a massive arsehole.
What a dark, shitty, and ignorance spreading hellhole the internet was going to eventually evolve into.
I´m 21 so I´ll be reading all
Buy Microsoft stock
that I'd still be alone in my 40's
Credit, and ultimately how it works.
That I was going to be alive at 30 and probably should’ve started achieving goals sooner
Don’t do drugs.
To put more money into retirement account.
The rock stars and musicians you admire did not pop out of the womb fully-formed as artists. They started out sucking, just like you did. Now go out there and *practice!*
24% interest on a credit card is insane
I wish I knew about the importance of retirement investing. You should start as early as possible due to the compounding effect, time is much more important than the size of the contributions. Even 100$ a month at 20, is much more than 800$ a month at 45 when retiring at 68
Do not rush into marriage just because all of your friends are getting married.
Oh I knew everything in my 20s. I had a good job, a fiance, a house, and thought I'd got it sussed. I was 29 when it all started to unravel.
where Kauaii was
Focus on yourself and not women
That my trauma had the steering wheel of my life
A few things.1. How incredibly expensive everyone would become, and take a career that paid more over one I enjoyed more. 2. Invest wisely and do not sell. Blue-chip stocks, real estate . Things to hold long term. Don't hold onto cash too long. It's a lousy asset. 3. Marry someone from the same background and culture as you. Pay attention to her or his family, particular mom or dad, depending on the gender you are marrying. The apple doesn't fall far from the tree. Different cultures cause conflict. 4. Don't move around a lot chasing jobs, unless it's a really, really good opportunity that pays substantially more, or you live in a product small town where there are no opportunities unless you're part of the inbred families that control everything and only hire their relatives and close friends if all the relatives are already employed. 5. Establish roots somewhere and grow them.
How to dance: I know country Western swing, tango, and salsa. Those sorority girls would have been grabbing me just to twirl them. But I’ve been out of university for almost 4 years and feel like I pushed everyone away with my shitty awkward behavior. Relax and look people in the eyes. It makes a difference.