10 Money Mistakes to Avoid in Your 20's

Let's talk about finances, specifically 10 things to avoid in your 20's and save that coin | Navigating Your 20's Pt. 3
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1:08 Not starting your retirement fund ( the earlier the better!!)
3:28 Not having an emergency fund
4:17 Get a credit card (but avoid debt)
6:20 Spending too much money on rent
7:33 Buying a new car
8:31 Not comparing prices
9:29 Not having a frugal mindset
10:15 Not having a budget
11:05 Having just one stream of revenue
12:04 Not having financial goals
Some great podcasts to learn from:
Best for Finance Beginners: So Money
The College Investor Audio Show: Best for Students or Recent Grads
The Fairer Cents: Best for Women
Money For the Rest of Us: Best for beginning Investing
The Dave Ramsey Show: Best for getting out of debt and saving for the future
Retirement Calculator: www.today.com/money/suze-orma...
Calculator: www.daveramsey.com/smartvesto...
Aja Dang side hustle recommendations: • How I Make Money | How...
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[@ElenaTaber]

To make it easier for you, here are the money mistakes to avoid in case you want to skip around to learn more about certain topics: 1:08 Not starting your retirement fund ( the earlier the better!!) 3:28 Not having an emergency fund 4:17 Get a credit card (but avoid debt) 6:20 Spending too much money on rent 7:33 Buying a new car 8:31 Not comparing prices 9:29 Not having a frugal mindset 10:15 Not having a budget 11:05 Having just one stream of revenue 12:04 Not having financial goals

[@mikejugo7630]

I reccomend this book: www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474

[@dhakafani8828]

😂😂😂💋0096898601124

[@albinpoly8044]

hello😍 From India..its really beneficial to watch your videos😊

[@TLauriks]

This was super helpful! Do you know any good books about this personal finance topic?

[@doodlesofdoodles]

@@TLauriks rich dad poor dad - the #1 best-selling personal finance book. have heard it's a great read

[@kyliep8176]

would kill to see a collab with Ashley (aka best dressed) now that she’s in nyc!!!

[@ButtonGirl22]

Kylie P yes!!! They've been hanging out a lot so it has to be coming soon (they've done one previously just fyi, idk if you've seen it)

[@skloise]

YES ESPECIALLY ABOUT FINANCES 💗💗💗 everyone needs this.

[@chenalindelossantos967]

yeeeeees pls

[@filansyel7298]

kzbin.info/www/bejne/fIvOo2qBa8ilpMk

[@nytcat925]

Yessss!! MAKE THIS HAPPEN 💖💖💖

[@smilesam]

Whenever I hear the critique of spending too much money on dinners, brunchs, drinks, etc., I feel like there's a failure to acknowledge how much eliminating such things would hurt your social life. It's a fair critique and most of us do spend too much, but you also can't just do movie nights at home all the time. Having friends and seeing them and having fun costs money. I think it's important not to spend too much, but also you don't want to be so concerned that you end up never seeing friends cuz you're unwilling to spend a few bucks on a cup of coffee for a catch up.

[@meghansullivan6812]

I’m with you!

[@pranavanand4305]

Well it depends on where you want to catch up. Often, instead of coffeeshops, I have groups of friends who congregate in someone's house for chatting, games, food, etc. We may even go out after that, but the point is to first eat and drink at a house, which is always cheaper, even when we split, and then head out. We occasionally even cook meals together. This way, hangouts rarely involve too much money but instead, more quality time together, and in private

[@katelynm4622]

This is so true! I fully believe in living your life how you want and using any money you have left over to be utilized in a portfolio :)

[@charlottehamilton7489]

It's also important to spend money at cafes and bars etc as it supports small local businesses and the economy, money needs to go in in order to come back out.

[@camilleshiii5880]

@@charlottehamilton7489 true! it's nice to spend money (not too much!) on small businesses (let's say maybe your friend or relative owns the place, which will help them!)

[@suzonmztd]

As a 20-year-old living in Europe (France) this video is not very relatable but still interesting to watch! We don't need to save for retirement ourselves since is taken directly from our salary (plus I don't worry about it too much because of the climate catastrophe), we don't use credit cards but only debit cards and I don't plan on a having a car since we have public transport available.

[@klara2321]

I'm from Austria and i thought the exact same thing through the entire video!

[@Aaron-ir4he]

Climate catastrophe. Lol. What a moron

[@australianctzen]

@@Aaron-ir4he you good aaron? we are definitely in the midst of a climate catastrophe

[@lindseym329]

*says climate catastrophe really casually while really not casually freaking out about impending catastrophe*

[@suzonmztd]

@Emily Stansil 70? haha not in France luckily but either way I don't have an income yet since I'm a student and like I said I'm most probably never going to retire either

[@Katechap20]

As a 19 year old freshman in college, I feel SO unprepared for the real world!! My family never really talks about money and even when I have questions it's brushed off with "we'll talk about that when you're older." Um, almost 20 over here, trying to handle my money well with no experience or guidance. So thank you for making practical, well articulated videos like this!!!

[@katelynm4622]

I hear you!! I didn't know anything until I was like 22. I would have loved university to teach a required class on it at least! Lemme know if you wanna talk!!

[@samiarodriguez242]

I’m 17 and I started working when I was nine in the fields. I was so used to getting money from a young age and wasting it . This year I had zero money saved up and I was like how is this possible since I had made 10k last year (I had two jobs) . You should listen to Dave Ramsey and Chris Hogan! They are great

[@Katechap20]

Samia Rodriguez ah thank you! I will! I hate that this kind of stuff isn’t taught in school🤦🏻‍♀️

[@debtfree_living]

Makes sense

[@othermonica]

your hair.. ugh.. its just so beautiful!

[@janco333]

Its a wig

[@brahminiravi4717]

@@janco333 jelly?!

[@queenlyzzye1]

When I graduated from college, I couldn't find a job to save my own life. I wanted to work in the public relations industry, hotel industry, and the fashion industry. I applied to 100s of jobs. I was not successful after one year, because everyone wanted 5 years of experience for 30-40k a year! It was absolutely disturbing. I ended up going to law school and becoming a lawyer. It took me getting into 100s of thousands in debt to find a job that pays decent in order to survive. I would advise any 20 year old to not be so hard on yourself. It's tough being a millennial! I started working at 29, and I started saving for retirement at 30 (besides the 401k). Although its not the ideal situation, it's not too late to make sound financial decisions and prepare for your future!

[@emilybeeler5774]

can i ask what your major was? i am literally wanting to do the same things you mentioned...im scared, lol!!!

[@ladye2818]

How are you liking being a lawyer?

[@TaKyraDivine]

Hi I’d like to know too!

[@douloureux.]

Three points in and i realize i’m too european 😂

[@kyliebenson378]

Ashpyxiating same

[@ElenaTaber]

Hahah yes! Sorry it's coming from my personal experience as an American 😅 The points closer to the second half of the video are more broad

[@klara2321]

Same hahaha I'm very glad i don't have to worry about student debt, my pension or having to spend a lot of money for a medical emergency

[@axlk-hq8qf]

omg same, for a moment there i was like wait do i have a retirement fund??

[@katiemmm]

@@klara2321 How do retirement plans/pension generally work in europe? I'm intrigued haha

[@elizamitchell8950]

it’s nice to know what you should do, but HOW do you go about actually getting started? no one really talks about the specifics, the steps by steps, the practical tips. please make more detailed videos around this subject; so interesting!

[@churelle]

Eliza Mitchell there are actually sooo many videos on KZbin about finances. My favorite people are Dave Ramsey, Gran Stephan and Aja Dang!

[@rodriguezvillamilalejandra8015]

Dave Ramsey is AMAZING!

[@fictionaldarling]

@@churelle I think it's Graham Stephan actually if anyone's looking him up but yes!!! love them!!

[@tiffanyferg]

I recommend the channels Two Cents and The Financial Diet

[@idontknow3246]

@eliza mitchell omgggg ikrrr i was thinking the same thing

[@olgacotaga13]

"Buying a new car is one of the worst financial decisions you can make" --- sooooo true! Also, it's the second worst thing for the environment :)) It makes sense to not own a car in NYC. I live in London and here's the same. The car takes longer than the tube!!

[@amandaperez1242]

Money gives me anxiety , this makes me even more anxious :(

[@eyitsyaboi4527]

Same i don't like dealing with money lol money and people give me the most anxiety

[@debtfree_living]

Learn how to make it work for you

[@AjaDang]

Thanks for the shout out! Love seeing other women on KZbin talking about finances

[@martineskaret]

My favourite moment of the month is sorting my salary into different saving pots so I absolutely loved this video PERSONAL FINANCES HECK YEAH

[@ElenaTaber]

Martine Skaret YES SAME

[@KiaraMadisen]

YES ELENA the retirement talk is so important 👏🏼 let's take control of our money ppl

[@frankiewilliams8046]

I make over 10 000 per month at FRO ZEN PA.C OM

[@Julianna365]

This is so fantastic, I too am a recent graduate and 23yrs old. Everything you've said needs to be blasted to our generation. I would also recommend for anyone who's going in to their first salary paying job to immediately go see a financial advisor at the bank with whom you have a checking account with already. They absolutely LOVE it when you come in and they give you FREE 101 guidance, whether its opening your first retirement account, or opening your first credit card. Thanks for this content definitely important!

[@yj6118]

I’d love a full video on getting into the “college broke” mentally. I work a standard, minimum-wage part time job, but ever since I started college and was able to receive some grants, any money saving skills I had seem to have gone out the door :( I’d love a gentle reality check lol

[@starylize]

this is a great idea!!!

[@emilyhutchinson5457]

Hey! I graduated last year and i'm working a full time job in my field, meaning I am no longer "college broke", but I still spend very little and save/invest approx. 50% of my salary. If you make goals for your savings, it helps to view your income as smaller (ex. if your paycheque was $1000, but you make it a priority to put $400/month into your savings accounts, it's easier to accept that your income is only $600, aka you still feel broke, and spend accordingly).

[@meghansullivan6812]

Me fucking too!! This stresses me out sooo much but I need it ugh

[@cassidymartin2491]

It’s just too easy to spend money that is sitting in my checking account. I set up an autosave rule on my checking account that transfers a certain amount of money to my savings account whenever my paycheck is deposited.

[@mashumedina9165]

I will literally turn 20 in 10 minutes, I would definitely use some of this tips

[@camaronious24]

mashu M. Happy birthday!

[@ashtonfaith]

happy birthday!!

[@ElenaTaber]

Happy birthday!!

[@ellaontheisland]

Happy birthday!

[@emmarushworth3016]

Happy Birthday!!

[@hannahlewis6509]

I would suggest to everyone, listen to the podcast she’s on the money 🙌🏼 it is a podcast all about empowering and educating girls to be financially independent x

[@Different-Level]

Where can we find that?

[@febryauliya6648]

@@Different-Level You can find it on spotify

[@debtfree_living]

agreed

[@alarud]

There are 2 of them with the same name :) which one you can recommend - with Molly Benjamin or Victoria Devine?

[@hannahlewis6509]

@@alarud The one with Victoria Devine. You can access it on Spotify :)

[@sarahweigel4361]

12% annually is far too high. 6.5% is the recommended average return to use when calculating your money's future value.

[@isaacmarikko]

I agree!

[@evanashley1944]

i’m currently dropping out of college because i can’t afford it. i truly needed this video now to try to help me figure out what i need to do to move forward. this video is much appreciated!

[@jessefloyd9313]

Evan Ashley same bro

[@debtfree_living]

Agreed

[@ThePinkApartment]

@evan Ashley look into cloud computing jobs!!!

[@AbigailSmith]

I like that you’re talking about finances and agree that not enough of us talk about them! Budgeting helps with saving so much, and even just looking at the numbers and roughly tracking them is helpful.

[@artyshefartsy]

You are so amazingly well-spoken and I really appreciate this video! Finances are criminally underrated in our 20s and I think it's so important to have someone guide us in the right direction! Especially someone who is going through the same things we are.

[@matildaonvideo]

So glad you spoke about this Elena! Finance and spending within your means is such an important topic in your twenties. Working hard to have multiple income streams and staying in a saving mindset has been key for me. I also have a budget spreadsheet where I record *everything* and it's fascinating to see just how much the small things can add up! x

[@LILYLEFFINGWELL]

These tips are so accurate. Thankfully my parents raised me like this and it helped SO much starting my first job out of college this year

[@nataliavazquez2057]

Great video, Elena! And so so so helpful. Can’t believe I’m almost 22 and haven’t ever really thought about this! I would love to see more videos on this topic, maybe in a little more detail. Truly appreciate your wisdom and eloquence!

[@carlaroca2300]

I find this video very helpful! I'm a big believer on the "spend like you're broke"? mindset and that has helped me save quite a lot of money without even thinking about it!

[@brbmaybe]

This video is seriously one of the best financial tips videos that I have seen! It lightly touches on 99% of the *most* important topics.

[@churelle]

Elena this video is so helpful for others our age I feel ❤️ I’ve done a lot of the things that you said! I feel that although it’s tempting to rush into buying the next best things, all of these tips will help us be stress free in the future!

[@kirabreeden3214]

Hi Elena, I so rarely comment on youtube (I am definitely a silent viewer) but I just want you to know that I am SO GLAD you shared this with us. You are so right that this sort of thing is not talked about enough among us 20-something-year-olds and it should be! These are seriously great tips! Great video!

[@ledanph]

I don't know why not a lot of KZbinrs talk about these. So thankful for these tips. I feel like I know them, but it's nice to be reminded and really keep these in mind. Thank you!!

[@KateCunningham]

okay as someone approaching their 20s this video is OH so good to hear

[@tori7362]

PREACH IT SISTA! I appreciate you also organizing the different categories down below. Thank youu!

[@HelloThere604]

This video just randomly popped up in my recommendations and I am so happy it did. There is so much terrible and honestly just unreasonable financial advice out there. Most of it is a bunch of smoke and mirrors as well and they throw around numbers and terms that mean nothing. This video is absolutely perfect for 20 somethings. Simple tips with a great explanations that are easy and sensible to follow. Nailed it!

[@olazurike]

thank u so much elena

[@MariekeMelchers]

Yes! I love a smart lady that talks about finance!

[@tiffthrifts]

Thank you soo much for making this video. It's such an important topic in adult life that doesn't really get explained to you unless you seek it out. Some really great tips as well. I hadn't considered starting a retirement fund until later in life, but after hearing you talk about it I plan on starting one soon.

[@ciannagarza1977]

This is so helpful!!!!! Definitely recommend the side hustle part

[@kaitlinmiller6279]

Okay, I just want to give a formal THANK YOU!!!! 🙏 I’m 22 and completely freaking out about my finances. I‘m almost finished with college and I still feel inadequate with my finances. I’ve been so stressed out about it, but now I feel like I have some clear steps to follow for the future! Great video 😃

[@JustShade]

Totally! So many things we don’t think about that really set us up for financial freedom at an earlier age!

[@jordynlove3746]

When it comes to groceries I tend to buy the off brand essentials like rice and pasta. And also try to not buy too many quick meals they tend to be more expensive and you’ll go through it quickly

[@ReeceCapshaw]

This is SUCH great video and so well done and explained! So many people need to hear this (including myself)! Thanks Elena! Love watching your videos

[@emilylouden6451]

This was such a great video! I feel like many people think these points are common sense, but if we aren't taught it in school or by our parents, it's so easy to make these mistakes. Definitely reminded me of some things ive been procrastinating on (like a RSP) so thank you Elena!!

[@onlyvivienyouknow]

Loved this! You should do a video talking more in depth about how you got into doing side job/freelance media work!

[@byari]

I’m 17 now but these tips definitely come in handy as I’ll be studying overseas and I’m trying to be financially independent! xx

[@sarahmuscato6001]

Love this video and these types of conversations! I’m a recent grad as well and not nearly enough of my friends are having this conversation!

[@sage9756]

I love these tips and love the quality of the video, not only the camera quality but all the visuals are really nice

[@jihaeyoon3722]

This was one of the more helpful finances videos out there! Thank you for the great content!

[@heaventoms8759]

Thanks, Elena! I'll be turning 20 next month and this video helped make me feel like I'm on track!

[@cutpastetiedye]

Honestly, I feel like I should be taking notes, so I'll defiinitely revisit this later. A lot of times people have these videos with unhelpful/basic info, but you started out with retirement and emergency? Stuff that honestly my parents aren't even good at or open to sharing with me, so thanks.

[@ElenaTaber]

Ah yay! I'm do glad to hear this was helpful

[@junexo108]

Really love your financial education videos! ❤️ hope to watch more of this category! ☺️

[@kenzietwaddell6870]

These were awesome tips! You explained them so well to make everything really easy to understand!

[@jordanhollady7217]

YES OMG. Ok, not that I didn’t have tons of respect for you before, but even more respect for you after this video!! I love that you’re using your platform for great advice that some might not hear enough/at all! I feel like people our age (at least in the US) are really going to be in trouble when we get to retirement and it’s so important to start early and be smart about money. And the fact that any little bit helps in the long run - no matter what your capacity to save is, as long as you discipline yourself within reason and make sacrifices if you need to within reason! And also - the importance of spending money on experiences versus material things while we aren’t tied down, and arguably have the most freedom that most will have for the rest of our lives (families, aging, etc.). PREACH!❤️

[@janaintransit]

This video is life-saving! Thank you Elenaaaa ❤️

[@mariajdesu]

I'm so glad that youtube recommend this video to me. This is exactly me right now 💕💕

[@kasadilla_katelyn]

Thank you for all of this! Bunch of super helpful tips in an understandable format. I am going to have my first full time job soon and this was all good stuff to hear.

[@richbitchfinance9747]

Yes! I waited to start contributing to my 401K at my first job and that’s my biggest money regret! Compound interest is seriously amazing. I just posted a similar video on my 3 biggest money mistakes I made in my 20s. Ugh! You live and you learn! Great video!

[@maryellizabethauthor]

IM OBSESSED WITH YOUR CHANNEL. PLEASE NEVER STOP MAKING VIDEOS !! (: -much love from california !!!

[@itsdonnairene]

Love all these tips, these are the same ones I would have said! I ESPECIALLY stress the credit cards and having multiple. I was always told that was a bad thing and that will hurt your credit when you close accounts, but it's what has allowed me to build an amazing credit score in just a few years! Plus I prefer seeing a bill at the end of the month instead of money leaving my account by using a debit card cause it makes me more aware of how much I spend every month!

[@ChicagoAngeljai19]

This was extremelyyyyy helpful! So much insight and thorough explanations. Most of these types of vids I've seen have been just like don't buy designer or something. Great vid, as a 20 year old I found it very beneficial!

[@Wetlandexplorers]

Wow, these are all really great tips. I was losing sight of my finances after graduating. Now it's time to get back on track!

[@mayaahluwalia8005]

This video was well organized and had great tips! Thank you!

[@nottheshreeyouknow]

thankyou SO MUCH Elena! this is SUCH an amazing video!

[@sarahshiang3095]

Thanks for creating this video!

[@Kwno0La]

It's really nice to have spare money to save for retirement. I live in Greece and the minimum wage that you usually get when you start working in your 20s is barely enough for monthly rent and food :)

[@Jasaminajaca95]

I am so so SO happy to finally see someone pose something useful and helpful and not some mindless haul telling people to waste more money reinforcing consumerism!

[@ariannaeveyn6506]

you’re so amazing for this!!

[@girlsgeneration3169]

Okay, as soon as the video started, I was awestruck by her beauty.

[@natasha8208]

Elena, you're very smart and wise at such a young age. Your older self will thank you a million times over! Good for you!

[@emilystegall7958]

SUCH A GOOD VIDEO!!!! I sent this to multiple people. You are so smart and amazing and you made this fun to watch love youuu elena❤️❤️❤️

[@shubhakaushik2274]

OMG I loved this video. You explained everything so easy!

[@AllySheehan]

Such a great, helpful video dude!! Since this is finance based, I hope your CPM on this is SKY HIGH

[@ashleywessel780]

Such a wise woman! Great advice(: Thank you for this

[@BiancaGregorio03]

This is super helpful, definitely getting a credit card asap!!

[@natha2979]

Ocean eyes and wise advice, I find you kind and elegant

[@TheaSanchez]

Great tips! I may add having a budget instead of being frugal because sometimes being frugal makes us too scared to spend and sometimes ends up with the feeling of depriving ourselves :)

[@TheBitcoinExperience]

As a European myself, I'm shocked by how many here seem to believe that relying on the government to take care of you when you retire is responsible. You need to make sure that you will be comfortable when you retire, if that will even be a thing in 20, 30, 40 years. All I'm saying, guys, is that just because there is currently such a thing as state pension, doesn't mean it will still exist for when your time comes. Not to mention that the whole state pension thing is a house of cards... If there's anything you take away from this comment, let it be this. Don't rely on anyone else to provide for you! :)

[@atelierirae]

Exactly and some will only have like 600 € per month. Now try to pay rent and all the other bills with that...

[@TheBitcoinExperience]

@@atelierirae try and pay for anything with that amount when its value will have been more than halved because of inflation and money printing.

[@terilyte3152]

@@atelierirae Yeah, they're designed to be enough to survive on if you own a house and have already paid off your mortgage by the time you retire. That is pretty difficult for anyone our age so either save enough for retirement or ensure you have enough by the time you retire to buy the place you want to live in, possibly a half paid off mortgage on a larger house you can then downsize when you leave your job.

[@nicholasjdemoI]

Packing lunch is my favorite. Helps reinforce a frugal mindset!

[@ElenaTaber]

Ooo yes this is such a good one!

[@olivewalsh1879]

this was insanely helpful and informative!!! felt like u were the big sister i never had giving me life advice... thank you!!

[@midwest_loner]

The biggest things that’s hard for me, is finding side hustles. I live in a small city, and I don’t know what websites to look on for small odd jobs. I need help with this the most.

[@TheBitcoinExperience]

If you have any particular skills, you can do freelance work on Fiverr or UpWork. Alternatively, if you're good at something that you can teach, why not create a video course and upload it on Skillshare? Once it's uploaded, every minute watched by users earns you money and it's free for you to upload classes. Do the work once, get paid for however long people are watching your class.

[@hannahperkoengel]

This was so helpful, I loved it! Thank you!

[@poojatt]

This was actually so helpful, thank you!

[@alexandrapettas9577]

This video is perfect! thank you for giving us excellent tips xx

[@sophiacastano7501]

Loved loved loved this! This was my favorite video you've made, maybe ever (hard to say). It was perfect advice for where I am at in my life right now, and I made my boyfriend sit and watch it so he can benefit too.

[@ElenaTaber]

Aw yay amazing! I'm so glad you enjoyed it !!

[@debtfree_living]

Now that you started to talk about finance, subscribed!

[@mroseleiyud]

Very informative! thank you so much for this video!

[@nog117]

This video is great. Very accurate and to the point.

[@theresereyes9231]

Really good concise video. Thanks for this!

[@mollypass3520]

Thank you so much, this video was so helpful!!! We love sisterly advice

[@jordanthomas1767]

Loving how more influencers are talking about money! I work in public accounting and just recently passed all my CPA exams so I really appreciate that finances are striking a chord with a lot of people. Thanks for the video!!

[@ElenaTaber]

Yess, so important!

[@lyviaray8819]

I love this advice! Thank you for breaking down such useful tips -- maybe you could do a video on taxes as well

[@balletshark0101]

such great advice, amazing video elena!!

[@Sarah-iw9nc]

loved this video, very helpful for when you're first preparing for the real world :)

[@marionanaispinault6444]

I really love all your financing advice video! Thank you!!!

[@arielleenriquez8293]

This really encouraged me, thank you!

[@babindinda9414]

This was really awesome...Thanks! Love the video!

[@ffossip]

In my 20s and definitely needed this vid!

[@ciannacoleman5125]

Totally agree with basically everything you are talking about. I had a good financial education growing up and now with my first job I am making an effort to put all these habits in place from the very beginning. I will say that while $200 is a bit much for shoes I have found that comfortable ones are rarely under $100 unless on sale. I get a pair of shoes I like and wear them until they die though so get full benefit from the money spent (typically 5-10yrs depending on the shoe).

[@Juni999]

Thanks, Elena! This is so important for me especially for manage cash flows! it’s simple but i think I always forget about my daily spends.

[@ElenaTaber]

Yes, I still do all the time! Such an important thing to keep in mind

[@andreablanco7160]

Thank you, Thank you, THANK YOU!!!

[@LianneRose]

Yes!! Just what I needed😊