Reality Check: Are Your 20s Overrated?

(Reading length : 3 Minutes)

Is your 20s really the peak and golden years of Life?

In this post, I'm going to share my opinion on whether the belief that our 20s are the 'best' time of our lives holds any truth.

I'll present a fair and balanced perspective by discussing common arguments people make and then provide my own calm, logical and rational point of view on those reasons.

I have noticed It is a specific ‘Free spirit’ type of people who say to ‘live life to your fullest’ who normally preach about our 20s being the best times we will ever have in life

Whilst I do not disagree with living life to our fullest, I believe we must get our priorities in order to properly live life to your ‘fullest’

The majority of this article will be around life, money and investments.

However, I want to quickly say that ‘live life to your fullest’ advice can also be damaging for women who want a family from a respectable man. 

I am a man who does not care about a woman’s sexual past because I look at who someone is today and how they treat me. I don’t punish someone for their past as we all have done things in our life we are not proud of and would prefer for nobody to know.

But MOST men are NOT like this. 

No matter how strong my points are, most men always disagree with me when I tell them to not worry or care much about a woman’s past sexual history.

If You Are A Woman Reading: 

Most men WILL CARE about your sexual history, no matter how much of a sweet angel you turn into. Especially if you want some kind of respectable God Fearing man doing very well financially. 

I’m not suggesting to put your sexuality on hostage, but be more intentional with who you choose to engage with sexually if your long term plan is to be married with a good man, because he will definitely ask you about your past. 

If its a thing where you come across like you’ve had a lot of ‘fun’ but not many relationships, most men will think you are a ‘whore’ 

If its a thing where you come across like you’ve had sex but only in your long term and serious relationships, most men will not think are a ‘whore’

If you want to know my opinion on a woman’s sexual history, give this article a read :

https://www.patreon.com/posts/article-womans-67552423?utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=postshare_creator&utm_content=join_link

Is Your Twenties the Ultimate Prime of Your Life?

1. "You're Early in Your Career"

People think your life is more flexible when you’re early in your career. They believe you can leave jobs easily and don’t need to hustle too hard. 

The idea is that when you’re young, you’re not tied down by significant responsibilities like a mortgage or family obligations, so you can take risks and explore different career paths. 

This period is seen as a time to experiment, travel, and figure out what you really want to not be focused and waste time.

My Perspective:

When you're starting out in a job, you'll have to put up with a lot of nonsense in your career to gain experience.

Once you're more experienced and valuable in your industry, you can move on to better jobs with better companies.

Why do some people hate their jobs while others love them? 

Those who love their jobs usually work in high-demand, well-paying fields. They don't achieve this in their first year; real rewards come around the 3-5 year mark.

On the other hand, people who hate their jobs often work in less rewarding industries. Early in your career, you won't have enough experience to get high salaries and benefits from other companies. 

Job-hopping early on might improve your work environment slightly, but it won't significantly boost your pay or benefits, especially if you stay in the same industry. 

If you switch industries, you'll have to start from the bottom as an apprentice.

When you are valuable to your company or industry, you can walk into any negotiation meeting and ask for almost anything you want.

• Want to work from home and be in the office just 1 day a week? Done. 

• Want travel-to-work benefits? Done.  

• Want the option to be paid in company stocks that grow in value? Done.

Not saying your company couldn't replace you. They could, but it would be very hard and take a long time. This is when you have leverage in your industry, and it takes a few years of training and skills to reach this level.

You can certainly move around and do the job hopping thing early in your career but you won’t have much leverage or bargaining power due to the lack of skills and experience your industry desires. 

You might actually have more career flexibility in your 30s as you’d most likely have gained a lot of skills and experience by then.

If you are 1 year or less in your career, you won’t have leverage in most of the interviews you go to. 

When you choose a ‘useful’ career, even if you don’t enjoy it, after 5 years you’d be valued enough to negotiate your ideal pay and career benefits.

A heart surgeon might have to work at a crappy hospital for 5 years, but after that, they may still not like their job.

However, they'll be getting paid a boatload of money, so at least they won’t have to worry about basic things in life.

They can afford a nice home, a nice car, and a comfortable lifestyle outside of work.

2. “You’re Finally Making Your Own Money, Go And Spend!!!”

They say this as a way to encourage you to waste money on dumb stuff. 

The idea is that since you’re finally earning your own paycheque and no longer have to rely on mum and dad for money, you should indulge and enjoy life to the fullest. 

They push the narrative that NOW is the time to splurge on trendy clothes, fancy things, expensive dinners, and spontaneous trips. After all, you’re young and deserve to treat yourself, right?

My Perspective:

This mentality is a trap. 

There are soo many people in good paying jobs but still have no money, no investments and no savings because they keep using their money all on dumb shit.

Sure, it’s exciting to have your own money, but blowing it on temporary pleasures is a surefire way to stay broke. 

Those who spend recklessly in their 20s often find themselves struggling financially later on. Instead of wasting money on things that don’t matter, you must focus on building a solid financial foundation.

This is the time to be investing your money wisely. Prioritise paying off any debt, building an emergency fund, and investing in assets that will grow over time. This doesn’t mean you can’t enjoy life, but do it responsibly.

Whatever you invest now will multiply by a lot in 5 years time. Whether thats in the stock market, real estate rental properties, or a business. They are all going to be worth much more than they are now. Don’t ‘wait’ till you’ve got ‘all the fun out of your system’ before you start taking investing seriously.

The S&P 500 Index Fund

The most straightforward and simple investment strategy to make is into the S&P 500 Index fund.

This is a portfolio of the top 500 companies in the USA and it returns 10% on average.. sometimes it can be much higher like 18-20% or more but 10% is the average yearly return rate.

You do not have to live in USA to invest into this. It can be done in most countries.

If you have £300,000 invested into the S&P 500, you could be earning, 30K - 50K every year passively without having to leave your bed.

£30 - 50K is enough to pay for the desired lifestyles of most people. 

Then imagine 30K - 50K passive income whilst still making your regular income? It would be crazy. 

This is how people get rich.

This is very possible if you are working in a good paying industry over a 10 year time frame.

I suggest this to nearly everyone I speak to who is not business focused and wants to grow their wealth and is aiming for financial freedom or early retirement. 

(If you need assistance with how to do it, message me) 

Use your job as a tool to set you up for financial freedom and early retirement. If you start a good career by 23 and you are aggressively investing your money every single month consistent for 10 - 15 years, you could be fully retired by your mid 30s.

How many people do you know are fully retired by their mid 30s? 

Yes, have fun and spoil yourself occasionally, but you must understand that your paycheque is a tool, you need to use it wisely. 

If you don’t have a good paying job or if the salary and ‘earning potential’ for the city / country you are work in is low, then you need to go and take the required course or education so you can qualify for higher paying jobs in your city / country.

The 3 Social Classes

Low Class: 

These individuals work in low-paying jobs because they lack the skills, education, or qualifications for higher-paying jobs. Their income is mainly for basic survival, covering food and shelter.

Middle Class: 

These people have high-demand skills, qualifications, or good education. They secure well-paying jobs and enjoy a comfortable lifestyle. 

However, they never become rich because they don't prioritise investing their money. All of the money they make directly from work goes towards their nice lifestyle. 

The day they stop working is the day their lifestyle stops because there isn’t anything that can pay for it anymore. 

So they are trapped in their job which is also what leads to a lot of people hating their life even when they have a very good job. ‘Golden Handcuffs’ 

Upper Class: 

Similar to the middle class, they have good jobs and qualifications.

The key difference is that they prioritise investing their money.

Their lifestyle is funded by investments, not by trading their time for money. This means they can maintain their lifestyle without having to work actively.

Do not let the "You can finally make your own money!” Advice lead you into reckless spending. 

treat yourself here and then, but you need to be investing your money aggressively if you are making money in your 20s.

Either into the S&P, your business or into something that can lead to your earning potential increasing in your career.

3. "You Get To Grow Up Slowly"

They say you should do the most partying and fun during your 20s because of the lack of responsibilities you have during this time.

But partying a lot will age you badly due to the frequent late nights, lacks of sleep, drug use, and alcohol consumption. 

When you party a lot, you will have to:

• Buy new clothes and shoes every week or 2

• Pay club entrance fees

• Cover travel costs to get to the club

• Always buy food and drinks after going out

• Pay for pre-drinks and party supplies

• Spend on cabs or ride-shares to get home safely

• Chip in for group expenses or bottle service

• Replace or repair personal items lost or damaged during nights out

• Pay for parking if you drive

• Tip servers and bartenders

• Spend on additional entertainment like concerts or after-parties

• Deal with hangovers and lost productivity the next day, potentially affecting your work / business performance

All of this eats into your finances, especially if you live in a major city and partying frequently.

If you like to club and party, do it 1-2 times a month, not every week. Unless you’re already rich and secure, don’t get caught up in this fairytale. 

Focus on building a solid financial foundation instead.

4. "After Education, You Have More 'Free Time' To Do Whatever You Want"

They encourage you to ‘get all the fun out of your system’ because one day you'll have a family and won't have any 'me time' ever again. 

They paint starting a family as a bad thing, but aren’t these the same people who say starting a family is one of the best things you can do in life?

My Perspective: 

If family is so amazing, then sacrificing 'me time' should be worth the tradeoff. Right?

They make starting a family seem like a lifelong punishment, as if you’ll never be able to have fun again once you have a partner and kids.

If having a family was such a burden, then why can't they just recommend never having one instead of ‘getting the fun out of your system’? 

This contradictory advice creates unnecessary pressure to squash all your enjoyment into a short period, ignoring the reality that life, and fun, doesn’t stop when you start a family. 

Having a family can bring immense joy and fulfilment, and balancing personal time with family responsibilities is possible. It's not about losing your freedom but rather finding new ways to enjoy life with your loved ones.

5. “In Your 20s You Will Meet New Lot Of New Friends”

They say in your 20s is the best time to make new friends due to how you most likely outgrow your childhood and school friends. 

My perspective:

Making friends in your 20s is challenging.

Why?

Because most people have their guard up from already going through shitty situations with past friendships so they become less open to making new friends and prefer to keep the few good ones they currently have.

Also, due to the fact you are no longer in social environments like a school, college or university, this means you will have to make an active effort to socialise and meet new people.

To meet likeminded people, you will most likely have to pay money to be in the environments of like minded people you could potentially develop a friendship with.

Effortless and great friendships are not easily built once you leave school, college or university. 

Why Your 20s Is The Most Important Decade In Your Life?

Your 20s should be a decade of transformation and building a solid foundation.

The 20s are a pivotal era which shapes the trajectory of your life.

Use your 20s as leverage to start early so you can shape your ideal future life. 

Don’t forget, your 20s only last for 10 years.

The average life expectancy is around 80 years old. You will have around 50! more years to continue living after your 20s.

(Mainly For Men)

In the early 20s, men often find themselves overlooked and almost invisible to the world.

This can be a blessing in disguise. By having extreme levels of focus within himself during those unseen years, he’ll appear in his late 20s / early 30s as a a substantial man of value and character.

The 20s Are Important For Several Reasons, Heres Why

You Will Have A Lot Of Natural Fitness And Energy Levels When Young

It is common to slow down with your fitness as your age but thats the result of poor lifestyle habits.

It is possible to maintain high energy and fitness levels as you get older but you will have to maintain a healthy body fat level, eating properly, minimum alcohol / drug consumption and good recovery.

Your Family Obligations Will Be At The Minimum

People say family is a burden when you are young because starting a family will stop them from going to backpack in Asia so they can ‘find themselves’

When it should be seen as this is the best time for minimal family commitments because all of your time, attention, focus, money and energy can be directed to yourself which allows you to develop quicker and further.

You can also take more calculated risks, whereas when you do have a family, you cannot take some types of risks.

Deciding going all In On Business Or Career

You’ll have to factor in whether the earning potential of the business can outlearn certain career.

Whilst pursuing a business is great, business setbacks can put you at square one and you’ll have to start from scratch all over again regardless of how much time, energy, money and focus you put into it in your early 20s. 

Is the risk to reward tradeoff worth it FOR YOU?

I'm not one of the those business people who tells everyone to start a business. The best option for most people to have good paying job and experiment with a business during their out of work hours.

Instead of nose diving into business and entrepreneurship.

Don’t Chase Love And Relationships (Mainly For Men)

Relationships can be a huge waste of time and money.

Your 20s will be a decade where you need to always put yourself first and when you are in a relationship, everything is no longer about you. 

When you are in a relationship, you have to considerate of the other persons feelings, emotions, ideas and life goals. 

There may be short phases where you may have to completely ‘X’ out the opposite sex for full focus 

But don’t completely cut them off because you’ll become a socially awkward person when you are around people of the opposite sex which can make it hard for you to interact with them when it is time to build something serious. 

Just don’t make relationships, love, commitment the main focus and priority… especially if you are a man.

If it happens, it happens, but it should not be a focus.

Establish yourself first and high quality healthy relationships will easily align with you when you are ready for it.

You are better of having your own place, your own career, your good life when you first meet someone as opposed to having nothing to show but a few funny jokes.

All the work you invest into a person can disappear overnight, because they suddenly have different feelings about you and the relationship which can leave you feeling empty because of how much you have put into the relationship with nothing else going on in your life.

The relationship became your life. This happens to a lot of people.

Work, Build, Work, Build, Work, Build

Your 20s is for intense focus and commitment to the goals you are working and building on.

See it as a golden opportunity to give It your all into that thing you’re focused on.

Not everyone is built to work everyday and never socialise.

Hang out and have fun with loved ones after your main tasks, work and objectives are done.

Prioritise Health & Strength

Your body is an investment which will pay you forever. 

If you think going to the gym is time consuming, think about how much time you spend at the doctors office because of how weak and frail you are.

• If you think buying healthy food is expensive, wait until you see how expensive illness is.

• If you think lifting weights is dangerous, imagine how dangerous it is to be weak and fragile.

• Having a healthy lifestyle has short term costs but long term benefits.

• Aim to not be fat

• Aim to be fit

• Aim to be strong 

Many of us have had loved ones die MAINLY to health related issues. Why should we allow something in our control to be what makes us die before God say?

When you are 50, would you rather be on a cruise ship sailing around the Caribbean or taking weekly trips to the hospital because of your health?

Your choice.

Avoid pointless social media

Social media is NOT a problem, people just use it incorrectly.

Use social media to learn new things and become wise. 

Its fine to use it as a form of entertainment to wind down after a long day

But avoid using social media as a way to escape reality and never ending pointless scrolling.

If your job/business requires using social media, its fine to be online everyday because this helps you with your productivity for business.

Closing Thoughts

If you follow these guidelines you are ahead of most people.

• Most people remain stagnant

• Caught up in unproductive activities

• They’re lazy

• Not smart with money

• Legal problems

• Chasing girls and men who don’t fuck with them like that

• Battling alcohol, gambling, porn and drug addictions 

These are all valueless pursuits they focus on and the funny thing is, most of them will turn around and start crying about 

• The intense competition

• The economy and cost of living

• Blame the government for providing freebies and assistance programmes

• Start hating on rich people or anyone doing very well for themselves in life and screaming ‘Tax the rich’ at the top of their lungs and not realising rich people already get taxed at insanely high amounts already.

They will have a lot to critique without realising their current reality is just a result of the decisions they’ve been making for the past 10 years.

-Till next time