20 Rules For Your TWENTIES

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This is one of the biggest items on your todo list

Debt is a vice around your wrists that is slowly cutting off your blood circulation, if you don’t release the pressure you’ll be dead before thirty... the Prime of your life
If you are able to spend money on assets that depreciate in value (cars, clothes etc.) you better be debt free and saving large amounts of cash.

The biggest mistake is not upgrading your social circle as you move on

We know, you read the word upgrade and immediately thought the word is heartless

It is not
You need to surround yourself with like minded individuals, even if you have known a childhood friend for 15 years

if they begin using drugs for entertainment purposes and falling off of the grid you have to say goodbye

Your life is too short to spend catching falling knives.

This sounds contradictory to point number two, however it is paramount that you learn to help those that wish to improve

The key is their interest in improving

if you attempt to convince a man of growth when he does not care, you’ll burn a bridge
Hyper competitive and intelligent young men tend to develop a “put down” mentality where you compete at each others throats 24/7

This is not sustainable and healthy

Instead, pass along helpful information and you will find your friend count increasing

Everyone else goes to college to drink and try to sleep with hundreds of women

These guys usually end up unemployed or making $40K a year at a soul crushing job with no skillset to jump into another industry
Their entire life is now 100x more difficult to fix and you’ll be shocked at how difficult it is to come back when you’ve built no foundation

Build a foundation

You can have fun in your spare time
5. INTERNSHIPS (yes plural)

Even if you have a 4.0 GPA from a top univ, no one will care if you have zero work experience

In addition to obtaining line items on your resume you will realize that your network expands drastically
You’ll be in contact with people in their 30’s who are well outside of your current social circle of 20 somethings

By the time you are in your low twenties you should have a handful of men to speak to regarding life decisions

Each man does not need to know every aspect of life, however the more the merrier
You’ll quickly realize that your peer group is older than you as soon as you receive your Diploma (MBA or Bachelors)

This is a good thing

Generally speaking, older men make hiring decisions

Most common miss

If you are in the same peer group, none of your co-workers are out for your best interests

If you party with your direct co-workers, as soon as layoff rumors begin making the rounds, be certain you’ll be thrown under the bus

If you are not reading books outside of the classroom you are allowing the collegiate system to have more influence on your upbringing than it should

The topic of interest is less important than the act of reading
You can read about anything

Reading is similar to investing as the payoff is far in the future, one day you’ll have a chance to make a connection with a higher up on an obscure topic and ideally you’ll have the ability to add to the conversation

Before we get comments about books beyond finance, you can simply start with learning about basic fashion

Learn what colors work for your skin tone, eye color and hair color
Once this is mastered find the right brands to accentuate all of your positive features and build a sustainable wardrobe

Better to learn and earn before you have some cash and see it burned

Unless you are forced to burn through 100+ hours a week for several weeks straight, you should find time to lift weights five days a week

No excuses

Your health is the only thing that will outweigh your aspirations for wealth
A man who has a healthy mind and body with a heavy wallet is free

There is nothing more valuable than complete freedom to do as you wish

If you find yourself procrastinating on tasks it means that you have nothing to do with your free time

In an ideal situation you are constantly moving and improving your life
You don’t have time to procrastinate because you’re too busy taking action

The day you find yourself sitting and staring at a computer screen for 2-3 hours in a row is the day you either walk outside to exercise or immediately buy a book online

This is the minimum.

You'll meet many people who suggest you simply relax and live in the moment

Avoid these men like the plague

You should live in the moment for a calculated risk not to simply feel good for a short period of time at the detriment of your future
Much like investing, 20 years from now they will have a hard time getting by while your life is already on cruise control because you’ve built an unbreakable foundation

No matter what you do, do not tie the knot in your 20’s

The truth is that many women in their twenties are most attracted to men in their low thirties
Run the math

Your future ex-wife is still in high school right now, so don’t fret over anyone within ear shot for a long-term relationship

We recommend not getting married but if you decide to keep one, wait until your 30’s

By the time you’re in your mid 20’s you should have some international exposure that will wreck a lot of your current beliefs

By experiencing a new culture you’ll quickly see how many of your ideals are based on a US cultural phenomenon
You can do this with a single briefcase and you can do it alone

You’ll force your body into survival mode in an unknown city, your confidence level will grow by leaps and bounds

Heights, snakes, fights, the major fear you have does not matter compared to your ability to tackle it

If you’re afraid of being beaten down in a street fight, you should get into a ring and take a few kicks and punches
You should jump out of a plane if you fear heights and you should even consider purchasing a snake

There is no substitute for repeated exposure to eliminate a major fear in your life

For many, your family members are dragging you down and for others they are a positive in your life

The key is to separate your life decisions from their opinions – their opinions should have no weight on your emotions
At this point you should not use your family as a safe haven in life

If you lose your job, if you want to move cities, if you want to take a risk, it is on your shoulders

Remove the safety net

Maybe you didn’t land that Bulge Bracket job
maybe you didn’t get ranked number one in your class,
maybe you hurt your wrist and can’t lift for a month

no one cares

By the time you’re well into your 20’s your interest in complaining should be zero
Complaining gets you no where

All it does is increase your stress levels

When you are stressed out, no one wants to be your friend

If no one wants to be your friend, your contact list is not improving and if your contact list is not improving.... you’re dead

Unless you’ve obtained a job in investment banking where you’ll eat garbage for multiple years straight to earn your stripes, you should wake up early to get ahead of the rest

Read, go to the weight room, build a website, it does not matter
Your brain functions well in the morning, use your most productive time to invest in the most important person in the world

Yourself and your future

Many men will destroy their careers in a few short years by never earning a voice

When you are in your twenties there is not a single person who will care about your worldview so it is best to remain quiet and diligently improve while waiting for an opportunity
Instead of dishing out advice, take advice and remain quiet

As soon as people begin asking you for your contributions you’re officially of value

You have earned your keep in a specific niche
20. FAIL

The last piece of the puzzle is the most obvious and the most undervalued

Fail as many times as possible in your 20s while you have the time to recover
We don't recommend dropping out of college as a failure or taking up a humanities major as a failure

Instead we recommend you fail at trying to create value

Try to create a mobile app
Try to learn how to code
Try to learn a foreign language in a year

Try everything

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More from @BowTiedElephant

2 May
What's a TRANSFERABLE SKILL and why you need it?

a transferable skill is an *intangible skill*

Many people think that tangible skills are the best

Wrong. They can be outsourced

Anyone can learn how to build a financial model or read a graph or Ctrl C,P numbers from SEC filing, do basic arithmetic

If it can be learned in less than a month it’s *not* a transferable skill
Transferable skills are any skills that are unique to you

Some money making transferable skills:
• Sales
• Networking
• Production Improvement
• Basic Maintenance
• Continuity

Let's explore each below 👇
Read 17 tweets
1 May
You learned about Job and Career previously

Now get to know what truly is a BUSINESS

In this situation you leverage all of your skills

Every single talent you have is poured into your business

A business is something that makes money even as you do nothing

Of course if you do nothing for multiple years it will likely die

You’ve created a system that makes money in your sleep

Etch this quote into your brain:
“You are either hardworking or you’re smart. You cannot be both.”
Read 7 tweets
1 May
A CAREER is where you trade performance for money

Let's see how a career is better than a job

A career is a performance based position

Do not be fooled by high salaries or high hourly wages

Even if you’re making $100 an hour, that is only $200K per year

The Company will do everything in its power to prevent you from making more money than that
The deadliest company trick in the book is paying someone *more than they are worth* in the early years (22-27 years old)

Then... proceed to pay them *less than they are worth* as they remain at the Company
Read 10 tweets
1 May
You know what's a JOB

Now, more details about the JOB 👇

A job is only acceptable as a temporary position. You can take a job only under the condition that it is

1) not minimum wage and

2) you can transfer the skills to your future career or business. No exceptions to this rule.
People who are willing to work for free are *begging for help*.

In addition? The only person willing to hire free labor does not have the power to afford *quality* paid for labor.

How are you going to learn from someone who can’t even afford to pay you $15-20 an hour?
Read 7 tweets
1 May
What's the difference between a Job, a Career and a Business?

Trading time for money (Hourly wage or fixed Salary)

Trading performance for money (Income is primarily from performance. Delivering results)

You have created an establishment that will make money while you sleep (product sales, outsourced work flow)
(now do you know what you need to get rich and free?)
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