Thread by @ThePupOfWallSt

There isn't a roadmap to life, but there are things you should do to ensure a smooth transition into your fourth decade.

10 actions I would encourage my 20-year-old self to do by my 30th birthday

Time for a thread 🧵👇

1. Open up a 401K or IRA 💰

Thinking about retirement in your 20's seems like a waste of time.

We've all seen the graphs of investing in a retirement account at 25 verse 30 or 35.

The difference can be hundreds of thousands of dollars. Maybe even millions.

2. Work on your credit score 💳

I made the mistake early in my 20's, I stopped paying the balance on my Discover card. BIG mistake. This blemish on my credit score haunted me for years.

Find out what your credit score is and work on ways to build up your credit.

3. Start an Emergency Fund 🐖

Shit happens. You lose your job, your car engine blows, you have a medical emergency.

The best practice would be to have at least 3-6 months of living expenses saved.

More would be even better if you marry young or own a property.

4. Pay In Full (if you can) 💵

Credit cards, car payments, and student loan interest can weigh you down and steal your hard-earned money.

Make sure to pay down these debts as soon as possible. Start with the higher interest rate loans.

5. Skip College (it's ok) 🎓

If you choose not to go, make sure you find a career path or trade school to build up your knowledge. Online courses are great as well.

I never went to college, I joined the Navy.
I started my first business after buying a few design books.

6. Travel Hard 🛫

I was able to see the world at 18 years old. These experiences opened up my eyes to new cultures & new ideas.

I didn't have a lot of money at that time so it really helped me find ways to stretch a budget. Bonus!

7. Master Delegation ⏱️

When I was first building my business, I didn't want to spend hours a week cleaning my house, doing my laundry, & even cooking. So I delegated.

Now I delegate the mundane data entry & repeatable tasks to an EA.

Delegation is a superpower

8. Conquer Your Fears ⚔️

My biggest fear in my 20's was public speaking. I took courses, read books but ultimately what helped me face this fear was to just do it.

If you are afraid of something, face those fears early in life and battle defeat that Demogorgon.

H/T @artank

@artank 9. Practice Meditation 🧘‍♂️

The older you get, the more responsibilities you have and this adds stress to our life.

Having a daily practice of mediation helps your brain unpack all this unnecessary stress.

Try sitting still and clearing your mind for 5 or 10 minutes. Be @calm

@artank @calm 10. Side Hustle 🏃‍♂️

My first side hustle was designing and selling business cards and flyers to my local bars, clubs & barbershops. That grew into referrals and eventually a 6-figure business.

Start here 👇

https://twitter.com/JustinSaaS/status/1478863474231029765?s=20

H/T @JustinSaaS

@artank @calm @JustinSaaS TL;DR

1. Open up a 401K or IRA 💰
2. Work on your credit score 💳
3. Start an Emergency Fund 🐖
4. Pay In Full (if you can) 💵
5. Skip College (it's ok) 🎓
6. Travel Hard 🛫
7. Master Delegation ⏱️
8. Conquer Your Fears ⚔️
9. Practice Meditation 🧘‍♂️
10. Side Hustle 🏃‍♂️

@artank @calm @JustinSaaS You've made it to the end. 👏

Enjoyed this thread?

❤️ Please like each post
🔄 ReTweet the first post so more people can read the entire thread
💭 Leave a comment
✍🏼 Sign up for my newsletters below

@artank @calm @JustinSaaS ✍🏼 Personal Writing: bit.ly/3FEqVKW
📈 Stock Market Updates: bit.ly/3DlZOCc

I'm Danny Naz. I write, I travel, I tweet and I eat. And I'm hungry for more.

#PupThread

@artank @calm @JustinSaaS This is thread 3/30 for the @ship30for30 writing course.

If you've thought about joining a writing community, consider joining us in March.

Start writing online in 30 days #Ship30for30

bit.ly/3JT8IeF