20 Ways You Should Invest in Yourself During Your Twenties (2024)

Your twenties are all over the place. In a matter of 10 years, you go from being a large child who barely knows how to feed herself to a responsible adult expected to discuss retirement plans and maybe even raise small humans. Growing pains, indeed.

These are the years you come into your own, discover who you are as an individual outside of your parents’ home, and learn what you do and don’t want. It’s not a decade you want to squander.

I recently turned 25, and while I still have half of the decade to go, I feel like I wasted the first few years of my twenties. Not until I was entering year 24 did I really think about how I was setting myself up for the kind of life I was going to have in the years to come. For the first four years of my twenties, I focused on having fun like any college kid. I got good grades, sure, but the most important part of my life was the weekend. Now the most important part of my life is what I’m consistently doing every day to become the person I want to be and create the life I want to live.

If you’re in the early portion of your twenties, then you still have plenty of time to make some formative investments in yourself, your career, and your life. If you’re toward the middle or end, you still have plenty of time too. That’s the cool thing. Unless you’re dead, you can always make a change. The investments you need to make now will help you become more secure in who you are so you can know what you need and want in all areas of life.

1. Take Up a New Hobby

Hobbies are one of the best ways to insert a sense of fulfillment in a hectic life. They make you feel connected to the things you like and help relieve stress from work. It’s important to find a hobby you like in your twenties so that you have an interest to carry you through life. Try out several different things to see which one(s) make you feel the most alive.

2. Learn a New Skill

Whether it’s a language or an instrument, your twenties are the perfect time to start learning a new skill. As you get older, take on more responsibilities, and start a family, the time you’ll have to develop new skills will be essentially nonexistent. Don’t know where to start? Choose a skill that you’ll enjoy knowing or one that will benefit your career or overall life.

3. Attend Conferences

Conferences are great opportunities for you to network and learn useful information to benefit you at work. Find conferences that have solid reputations and offer discussions that relate to your career. They can be a little scary, but your twenties are the perfect time to overcome the fear of meeting new professionals—after all, you’ll be meeting new people the rest of your life.

4. Find a Mentor

A good mentor can make all the difference in your work and your life. Find someone whose work you admire and ask them to be your mentor. Aside from making sure your mentor is related to your field, also look for someone who will tell you like it is even when you’ve done something wrong. Honesty is what makes a mentor invaluable.

5. Find a Form of Exercise You Enjoy

The longer you wait to make exercise a regular occurrence, the harder it will be to make it a consistent part of your life. Exercise shouldn’t be something you do to punish your body, and you should learn to appreciate it for the good it does your muscles and organs. Try out different forms of exercise to see which ones you enjoy most and begin making those a regular activity you partake in.

6. Love Yourself

The way you treat your body in your twenties sets the stage for the body you’ll have in your thirties, forties, and fifties. Now is the time to ensure better health for the rest of your life—this includes choosing to fuel your body with the right foods as well as making time for exercise.

7. Learn to Cook

Cooking is an essential skill that all young adults should acquire. It’s easy to buy pre-made meals from the store and eat out all the time, but you don’t learn anything about the nature of cooking with that approach. Instead, try your hand at cooking by purchasing recipe books, taking a cooking class, or just asking your parents for a little guidance.

Cooking your own food is cheaper than eating out all the time, and knowing how to cook also means you’ll be able to contribute delicious dishes whenever you go to a party, potluck, or holiday gathering.

8. Read

One of the best things you can do for yourself in your twenties is to start reading books that appeal to you. Reading is one of the best ways to continue your education after college, and to learn more about yourself as well as the world around you. Start picking up books that jump out at you and try to read a little bit every day, or at least one day a week. It doesn’t matter if you choose fiction, poetry, or nonfiction. Just start reading.

9. Cultivate Good Friendships

There’s nothing wrong with having a lot of friends, but as you get older it becomes more important to have a few very close friends you can always rely on. In your twenties, seek out friends who are genuinely there for you in every thing you do.

Your twenties are the best time to cultivate those close friendships because the further you get into your career and the more busy your family life becomes the more you’ll need a tight-knit group of friends to depend on.

10. Talk to Your Parents

As you get older, you’ll realize more just how much wisdom your parents have to impart on you. They actually do know a lot about life and can help you through all of the adult growing pains. You’re not a teenager anymore, so you don’t need to hide everything about your life from your parents. Talk to them openly about the issues you’re facing so you can receive their advice. I promise you won’t regret getting to know your parents as actual people rather than figures of authority.

11. Talk to Your Grandparents

It’s a sad reality, but the older you get, the less time you have with your grandparents—and they won’t be around forever. Now that you’re an adult, it’s important that you spend time talking to them while they’re still with you. Talk to them about their lives before kids and grandkids, ask what it was like when they grew up, talk to them about your problems, and see what they have to say about it.

Your grandparents have been through a lot of life, and they know even more than your parents do. Their advice is irreplaceable. Make time for them while you can, or you’ll regret not building a stronger relationship with them later.

12. Find Your Go-To Happy Activity

Life is going to have stressful moments from time to time, and there are going to be times when it seems like the stress is too much. You’ll be able to handle that stress much better if you have a happy place you can go to immediately. This might be yoga, a run, your favorite book, or a long, hot shower or bath. Whatever activity you feel most relaxed and happy doing is what you need to do during those high-stress moments. Take some time to figure out what yours is. You’ll be glad you have this knowledge later in life.

13. Set Standards, for Yourself and for Your Relationships

Now is the time you should be figuring out your standards in life – standards for relationships, friendships, yourself, and the way people treat you in general. Set these standards in your twenties and test them out. You might find that some of your standards are too rigid or unrealistic, or you might learn that your standards are too low. Either way, these are important lessons to learn so you can establish the right set of standards to carry you through the rest of your life.

14. Start Building a Classic, Durable Wardrobe

You probably don’t have oodles of money to spend on high-end pieces in your twenties. That’s normal and okay, but you should make an effort to purchase pieces of good quality and classic design when you can. Fast fashion is okay in the short-term, but the blazers you buy from Forever 21 won’t be worth wearing in 10 years. Think of the long game when you go shopping in your twenties so you have a wardrobe capable of carrying you through several life phases.

15. Define Who You Are

This goes for who you are as a person, a professional, and as a personal brand. Your twenties are the time to figure out what you stand for, what you want to be known for, and how you want to behave as a human. Are you a creative adventurer who makes traveling the main goal in life? Or are you an organized go-getter who doesn’t take no for an answer? Live your twenties with the intention of deciding who you are in all facets of your life so the years to come are all focused on achieving your goals and being happy.

16. Build Your Network

Once you’ve established who you want to be professionally, you should surround yourself with people who have similar goals and work ethics. Attending conferences is a major part of this, but networking also takes place after you’ve met someone—exchange business cards, connect with them on LinkedIn, stay in touch, and maybe even take them out for coffee if you’re in the same place at the same time. You never know when you may need that business connection (or when they might need you).

17. Learn Everything About Your 401k

The last thing on your mind in your twenties is retirement, but it needs to be one of your main financial concerns. Don’t wait until your forties to learn the intricacies of your 401k policy and start saving for the golden years. Read up on your 401k now so you can maximize on it for as long as possible. Don’t put away the minimum amount either. Put away as much as you can. You’ll be glad you did later.

18. Start Paying Off Your Debt

You don’t want to still be paying off the same debt in 20 years. Start paying it off now so you can be debt-free sooner in life. This will not only mean you’ll be debt-free earlier, but it will also improve your credit score so you’ll have a better chance of loan approval for a house or a car.

19. Learn to Budget and Stick to It

Budgeting is a hard lesson to learn. However, it’s one of the most essential life skills you can have. It takes a lot of trial and error to figure out what budget works for you and to create the habit of sticking to a budget. This is something you need to go through in your twenties before you’re saddled with a mortgage and trying to support a family. Talk with your parents about how to create a budget or hire a financial advisor to show you the ropes. There are also several budgeting apps available to help you figure it all out.

20. Make Yearly Checkups a Habit

The doctor isn’t someone you should only see when you become sick. Your body starts to age in your twenties, and since you’ve stopped growing at this point, it’s also the time you need to pay close attention to changes. Schedule a yearly checkup with a general doctor, a dermatologist, and a gynecologist. They might seem like a pain, but you’ll be glad you were diligent in them if your doctor ever spots anything suspicious. Your health is not something to ignore, not even when you’re young.

Follow Terra on Instagram: @terrabrown3

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Last modified on April 2nd, 2020

20 Ways You Should Invest in Yourself During Your Twenties (2024)

FAQs

How should I be investing in my 20s? ›

How to start investing in your 20s
  1. Determine your investment goals. ...
  2. Contribute to an employer-sponsored retirement plan. ...
  3. Open an individual retirement account (IRA) ...
  4. Find a broker or robo-advisor that meets your needs. ...
  5. Consider leveraging a financial advisor. ...
  6. Keep short-term savings somewhere easily accessible.
Jan 31, 2024

How to invest in yourself as a woman in your 20s? ›

20 Best Ways to Invest in Yourself
  1. TAKE RESPONSIBILITY FOR YOUR OWN LIFE. Now, pay attention. ...
  2. SET S.M.A.R.T. GOALS. ...
  3. LEARN HOW MONEY WORK. ...
  4. TAKE CARE OF YOUR PHYSICAL HEALTH. ...
  5. TAKE CARE OF YOUR EMOTIONAL HEALTH. ...
  6. CONSTANTLY IMPROVE YOUR PROFESSIONAL SKILLS. ...
  7. LEARN SOMETHING NEW. ...
  8. SPEND WISELY.

What to own in your 20s? ›

What's New at AmeriChoice?
  • 15 Items Every Adult Should Purchase in Their 20s. ...
  • Quality cooking tools & appliances. ...
  • A reliable form of transportation. ...
  • Contributions to a retirement fund. ...
  • An impressive interview outfit. ...
  • A professional work bag and/or luggage. ...
  • Long-lasting home appliances. ...
  • A quality mattress.

What are the best assets to buy in your 20s? ›

Some of the most popular investments for young investors include stocks, bonds, mutual funds, and ETFs, although there are many other options that may be right for you depending on your circ*mstances.

How to be financially smart in your 20s? ›

To that end, here are nine things everyone in their 20s should be doing to set themselves up financially.
  1. Map Out Your Goals. ...
  2. Build An Emergency Fund. ...
  3. Budget. ...
  4. Think Through Major Purchases. ...
  5. Advance Your Career. ...
  6. Use Tax Advantages. ...
  7. Be Properly Insured. ...
  8. Take Breaks.
Apr 26, 2024

How to invest in yourself emotionally? ›

12 Great Ways to Invest in Yourself
  1. Embrace lifelong learning.
  2. Prioritize your mental health.
  3. Set goals.
  4. Find a mentor.
  5. Start a journal.
  6. Practice gratitude.
  7. Break a bad habit.
  8. Get organized.

How to value yourself as a woman? ›

How to Value Yourself as a Woman: 7 Tips
  1. Remove the contingencies. We often create standards or conditions that determine when we can love ourselves. ...
  2. Forgive yourself. Humans make mistakes. ...
  3. Drop the comparison. ...
  4. Get outside your comfort zone. ...
  5. Create a self-care routine. ...
  6. Challenge negative thoughts. ...
  7. Embrace who you are.
Feb 5, 2024

How to invest in yourself physically? ›

You only have one body, so it's important to invest in it and give yourself the best opportunity for a long and healthy life.
  1. Nourish your body. Your body needs fuel to run properly, so make sure you give it the nutrients it needs. ...
  2. Exercise regularly. ...
  3. Get good sleep. ...
  4. Practice self-care. ...
  5. Feed your brain.
Feb 23, 2024

How can I build my life in my 20s? ›

20 Things to Do in Your 20s
  1. Make a plan—but be willing to change. Setting goals is great. ...
  2. Make a budget and stick to it. ...
  3. Learn how to set boundaries. ...
  4. Take care of your mental health. ...
  5. Save up an emergency fund. ...
  6. Embrace the season you're in. ...
  7. Pay off all debt (especially student loans). ...
  8. Get out of your parents' house.
Jan 30, 2024

What should a 25 year old own? ›

That being said, having these 25 things will make life after 24 a bit easier:
  • Friends you can trust. You should have at least one friend you can call in a crisis. ...
  • A Passport. ...
  • A savings account with money for a 'rainy day' ...
  • An LBD. ...
  • A signature drink. ...
  • A credit card or two. ...
  • A luggage set. ...
  • A solid plan.

What should I be saving for in my 20s? ›

Financial goals in your 20s often include building an emergency fund, paying off high-interest debt, and let's not forget about saving for retirement. While you probably want to be able to see the show when your favorite band comes to town, think twice. You shouldn't spend at the expense of your future.

How do I invest aggressively in my 20s? ›

Six steps to start investing in your 20s.
  1. Create a spending plan. ...
  2. Get educated. ...
  3. Start saving and investing today. ...
  4. Build a diversified portfolio based on growth. ...
  5. Keep it simple, and minimize fees and taxes. ...
  6. Increase your savings rate over time.

How to make money in your 20s? ›

Self-Made Millionaires: 7 Smart Ways To Make the Most of Your 20s Financially
  1. Yes, You Do Need a Budget. When you're in your 20s, you might just be starting your career. ...
  2. Invest in Yourself. ...
  3. Start a Business. ...
  4. Invest in Real Estate. ...
  5. Invest in the Stock Market. ...
  6. Pursue a High-Paying Career. ...
  7. Increase Your Savings Rate. ...
  8. Bottom Line.
Nov 6, 2023

What should I budget for in my 20s? ›

Common categories include housing, transportation, groceries, entertainment, and debt repayments. By understanding your spending habits, you can identify areas where you can cut back and save more. This will help you prioritize your spending and make necessary adjustments.

How much should a 25 year old have in investments? ›

20k is the ideal savings amount for a 25 year old

According to Ryze, this amount is achievable for young adults save a minimum of 15% of the average annual salary of early 20s workers in the U.S. “The median salary for this age group is around $38,500 per year.” Ryze says.

Is 25 too old to start investing? ›

Here's the real truth: It's never too late to start growing your money. And while time does matter when it comes to investing, it doesn't need to matter in the way you might think.

Is 20 too late to start investing? ›

Start saving and investing in your 20s by contributing to a retirement plan, investing in index funds and ETFs, automating your investment management with a robo-advisor and increasing your savings rate over time.

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