I recently asked my social media community to give me some advice they wished they knew before they turned 25. I got so many good responses, I had to split this into THREE blog posts! Thanks to all who contributed!
Here’s part 2 of 3 in a Friday blog series:
“Be yourself, love yourself, be kind to yourself. I am still struggling with this. I lost who I am as a person and let the labels define me: mom,wife,etc. Save smarterTravel and take every opportunity you can, life is short and the world is fascinating. Get out there and see it. Don’t stick to the normal tourist attractions but ask locals where to go.” – Amy F.
“Life doesn’t happen according to a timeline. Yours or anyone else’s. My hardest birthday to face was 30 because according to my “timeline” I was supposed to have all my kids. I was still childless at that point. I was 37 when Christy was born. Our child wasn’t ready to join our family until then. But, I see some distinct advantages (and yes some disadvantages) of being an older parent.. Whichever way you choose (or don’t, choose, but end up living) is fine. Choosing to remain childless is also fine if that’s what you want.” – Kim F.
“I would say say what’s really on your mind. You can’t be afraid to give an opinion, even if it might upset someone. No matter what the topic. Obviously don’t do it in a rude way, but a while back I decided to just br more honest with others and myself and it’s rooted out some unsavory people and led me to some gems.” – Imani C. (24 almost 25! Happy early birthday!)
“Saved smarter. Universal whole Life insurance is cheap (not term, that’s just money in the trash to pay off a house if you die). But whole life policies are paid into like an investment IRA that you can take out of in case of emergency and/or mainly when you get older, it is a retirement.
It’s cheaper to get 1-2 million in life insurance in your 20s and it will grow better and allow early retirement regardless what you do for a living, as long as you don’t stop paying in it. And if things ever go south your family has all the money you would have saved rather than paying taxes on what little an IRA built up.
Buy property, even if it is not your forever home, do research on the area, the schools, the crime rate, natural disasters etc and buy. You get to write off tons on taxes that is thrown away on renting, you can rent it out to others if you have to relocate and 85% of rental funds count as income meaning you can go buy again. The house doesn’t have to be huge and out of budget but property always goes up in value, even during the great depression it went up. If you think Jones are expensive now, fast forward 10 years they’ll go up another $100-$200k. Meaning you will have paid down1/3 of your loan while it has gone up in value giving you equity to remodel, start a business, travel, etc.
There are also ways to pay off home loans by putting extra toward the principle every month of every year which can pay a house of in 6-12 years, better and faster than a 15 yr mrtg which I don’t really like because it’s a forced higher payment making it harder to rent out if you need to move for work or other reasons.” -Wesley F.
“I’d say what I wish I learned sooner was that I am the only person who is going to care for myself. Self care was not taught to me and I never put myself first. Now I have the confidence and love for myself to do just that – it just took way longer than it should have. Second, true friends will be your friends no matter what you’re going through and they will love you unconditionally and be there for you, even if you haven’t talked for 3 months or 6 months or 8 months…. Or whatever. Check-ins are important but they aren’t always going to happen. You don’t need friends who are toxic and you don’t need to keep anyone in your life who isn’t supportive or helping you thrive. This has also been a hard lesson for me as I tend to try to be friends with everyone and as I get older, I realize I don’t have the energy for that shit and I find my energy is lost with those people who take away my flame for life. Your friends should energize you – not make you tired and make you want to pull away. You owe no one your time. ❤️❤️❤️❤️❤️” – Sarah H.
“Start saving for retirement” – Devin B.
“Trust in yourself! And also that happiness isn’t measured by property value, titles, or savings plans.” – Alice C.
“The regrets in life are opportunities and chances not taken. Things you try and fail at are some of the best experiences you can have.” – James W.
“Avoid the drama of 20-somethings. It’s all meaningless and forgotten shortly after. Surround yourself only with people that you enjoy.” – David L.
“Just remember the ugly butt rule when working out that we talked about. Things start changing and moving!” – Jynelle M.
“Saving money!” – Angela B.
“I wish I had traveled more. School will always be there, jobs can always be found, but getting to know the rest of the world outside the bubble of what is “expected” is so much more important…” -Britt T.
Until next time!