20 things I learned in my 20s that I wish I had known sooner!

[@vinyllotus]

Really great video. The only thing I would add is that it’s never too late. A lot of us have life circumstances that put us back on these milestones to whatever degree. Even if you’re older, you can still do all of these things and end up in a better place than you were. I, myself am 42 and will graduate with an IT degree next year. I’ve never had a career and have always been poor because of it. Deciding to change your life can happen at any age.

[@sherryelle225]

Thank u r saying this. I'm 47 and it feels too late for everything sometimes. This makes me feel better.

[@coolz512]

THANK YOU FOR THIS.

[@Amanda-bu5xy]

33 and same 👏👏👏👏👏

[@Jess_Smith0903]

I’m 30 and feel like I’ve missed my deadline, so this makes me feel a lot more encouraged to start! Thank you! And best of luck on your career!!!

[@sherryelle225]

@@Jess_Smith0903 You are still a spring chicken as we say in the south . . . or maybe everyone says that Idk but I know it's true. I thought the same thing when I turned 30 but I'm 47 now and I know 30 is so young. U have a long life ahead of u, God willing, and u got time to do anything. The only thing I don't think u could do is become a prima ballerina at this point lol. Please don't feel old cause ur not.

[@kellbell34893]

Something I learned in my late 20’s - women, it’s okay to be single! There is so much societal pressure for women to get married and have kids, it’s okay to be single and to want to be single! You do not need a partner or kids to live a full, happy life.

[@juelclyne7392]

Amen and thank you from this happy and content, single, no children, never been or wanted to be married 55 year old.

[@LatinLexy149]

Yes! Along those same lines, don’t feel pressured to go to the “next step” in your relationship if you truly aren’t ready. After 5 years of dating someone we got married, mostly because people, mostly family, say things like “when is the wedding” or “where is this going” “when are you making it official“ and so on.

[@sarabear888]

I fulllllly agree. Your happiness should not be based off of someone else. You can be happy with you, doing you.

[@joansmith6844]

A) U need your health - eat well , exercise☝️.. B) money 💰 u need your very own money to survive , food , housing , vehicles, survival a must ☝️ C) b confident, Love your self ❤- b happy HAPPY 😊 it’s your life to live ✔️ 😻

[@kelipencka9357]

Kelli (great name by the way), very true!!! I’ve been single for 5 years, no children and never married. I am so content being single. I don’t need anybody, nor am I reliant on anybody else. I make myself happy, and have become successful in my career, and am about to purchase my first home. Ladies, you can do it on your own if you want to! We don’t need men!

[@julesfreefall8258]

Remember you are the main character in YOUR story. I spent a lot of my “youth” living for what others wanted. It’s not healthy and it set me back years! Make decisions that get you further on the path you want to take and don’t be pushed by family and friends etc.

[@lunagabriella213]

Yep! Thanks for this. I've been incredibly unhappy, and my depression coming through very intensely is a red flag that I can't ignore anymore.

[@Patti-1962]

Taylor, thank you for talking about investing. I just turned 60, and my husband and I started investing very early. Everything you have said is true, and my husband will be retiring early!! For us, finding an investment broker we trust was the key because he did all the work for us. I put the maximum amount I could into my IRA, and that account has grown like crazy in the last 10 years!!! My birthday dinner? Marinated salmon in our air fryer, YUM!!! (We bought the largest size, and that works so well for us... cooking meat and veggies at the same time!!)🥳🥳🖤🖤🖤 PS Going to therapy is the greatest gift one can give themselves!!

[@madlibpoet]

I am 48 and second everything Patti said!! And if you get started investing later like I did, just start, don’t wait!

[@Patti-1962]

@@madlibpoet YES!! It's never too late to start!! Good for YOU!🥳🥳🥳

[@Corn22]

what broker do you use? how would i find one i can trust?

[@Patti-1962]

@@Corn22 We found ours by word of mouth. He is with Morgan Stanley, but he has changed who he works with. We interviewed three people, and we are so happy with our choice. That was many years ago, and now we are great friends with our broker!! He has taken care of our money and helped us to earn the most possible!

[@catherineono1265]

Thank for sharing this!

[@wsncluntess]

I'm 24, and when you started going into the fact that we weren't taught how to take care of ourselves financially in school made me literally say "YES" out loud. I have that conversation with so many people. We are taught absolutely nothing about financial wellness in school, and man, what a big mistake that is. Or at least was when I was in school.

[@taylorwynn]

Totallyyyyy. It's ridiculous.

[@ericalampley480]

I just turned 53 and have been saying that since I left high school! 🤬

[@pinky1068]

@@taylorwynn EXACTLY! Im 54 soon and wound up sick on disability single no kids Totally alone/broke/struggling and i WISH when i saw the example u showed about saving at least $50wk when ur 25 that my parents would have REALLY told me that, i know they wud say "willy nilly" to just save ur money but honestly when ur a kid and struggling too and dont have a clue about finances etc ITS SUPER IMPORTANT to learn that stuff or ur screwed later in life which sux! 😢

[@sherryelle225]

@@pinky1068 I can relate to alot of that. I'm 47 and alot of this stuff wasn't told to me ever. I know things r supposed to get better but sometimes it takes too long. So I have to take what I Can control and do it. Being frozen and scared hasn't gotten me anywhere so being brave and proactive is the only thing left to do I guess lol. Hope things improve for all women all over the world. Especially living in q country that is going in reverse like the US.

[@20thcenturyrelic]

This is done on purpose to make it easier to exploit people financially with things like payday loans or car title loans. A lot of people make a lot of money this way.

[@oh.mylanta.]

There actually used to be classes that taught you everyday life skills(letter writing, checking account management, etc). It was phased out a couple decades ago along with "home ec" classes. As a 47 yr old mom, my nuggs of wisdom: 1) If they'll do it WITH you, they'll do it TO you. 2) never base your major life decisions on temporary things, circumstances, or people. 3) understand the difference between entitlement and self respect.... stay humble. 4) you are not responsible for ANYONE you don't have legal guardianship of. 5) "Stan" absolutely no one. Not your parents. Not your siblings. Not your partner. Not your children. NO ONE is above reproach and blind loyalty only causes you harm. 6) love yourself. ❤️

[@20thcenturyrelic]

Why provide financial education in school? It's much easier to exploit people with payday loans, car title loans, etc if they're uneducated. Companies make billions this way!

[@coolz512]

I’m 25 and I’m a daughter of immigrants. I graduated and worked in finance and was constantly beat down, humiliated, harassed, etc. I decided last last year that enough is enough and now I’ve been self-teaching myself coding, data structures, algorithms, etc. and am in the process of a career change to software engineering. It’s definitely hard when you come from a poor family and even more so from a poor family of color. Add being a woman to that and you’re basically going to be fighting a MUCH HARDER fight than anyone else. For my BIPOC people, take everything in this video with a grain of salt. Yes, it’s important, but know that you might have to work harder to get to where you’re hoping to be. I’ve worked my ASS off. Yes, I’m only 25, but I’ve seen people who had no work ethic and no motivation climb to the top in record time thanks to family and connections (not to mention white privilege). You might be the hardest worker, but those people will always climb higher and struggle less getting there. It’s not fair, but it’s reality. Now, those folks that are struggling: Seek a community. There are communities for black women in tech, black women in IT, Latinas in STEM, Women in Tech etc. (not limited to STEM, but I’m using some that I’ve seen as examples). There are probably even local communities or online communities if you search for them. USE THEM AS LEVERAGE. Connect with people, MESSAGE THEM, ask questions (do NOT think any question is stupid)! We are stronger when we work together! Most people who are in these communities want to HELP those that are where they were years ago and offer words or wisdom or mentoring! Remember: YOU CAN DO IT TOO.

[@citygirl999]

Are you planning on getting a degree? I think self studying in a field will definitely help you in preparing for college. I've worked in HR for a number of years and the one thing we look at is a degree (Bachlor has become the preferred standard) OR work experience in that field. Unfortunately, I remember recruiters most of the time skimming resumes to the edjucation section, and if they didnt see a degree mentioned on there they would toss them out without even bothering to read more. The one thing I do agree with what you said is networking. You really DO have to know ppl to get good jobs, nowadays its ppl putting in a good word/referrals to even get an interview. Most companies hire within and want referrals from friends and/or employees. (This is at good companies that pay well) Anyway, this has been what I've seen....

[@tiahnarodriguez3809]

Your post has an air of “my issues are greater than yours” and that’s just not necessary. This video was meant to show different options and what Taylor learned in her 20’s. I appreciate you offered advice more catered to us BIPOC, but there’s no need to act like we’re so oppressed that we can’t get ahead no matter what we do or like we always have to fight. Maybe for you this is true, but this ain’t the case for all of us, and it goes without saying that any advice should be researched before you use it for yourself.

[@coolz512]

@@citygirl999 Thank you for your genuine advice, I really appreciate it. I do have a degree, just not in a field that I want to work in. I’m hoping to switch my career to software engineering and want to do a coding bootcamp since I’ve taught myself a lot of the basics. I’ve also been debating doing a master’s in software engineering or computer science with a “bridge” program. Thank you again! 😊

[@coolz512]

@@tiahnarodriguez3809 Thank you for your candor, but that is not what I was attempting to convey. I understand that Taylor was attempting to give advice that WORKED FOR HER. That’s just it, though-it worked for her and it may work for you, but it will not work for everyone who is trying to achieve her level of finial freedom. Now, on your comment of, “there’s no need to act like we’re so oppressed that we can’t get ahead no matter what we do or like we always have to fight,” BIPOC people ARE indeed very oppressed in America-it’s called systemic inequality. Here’s a few articles on systemic inequality: www.americanprogress.org/article/systematic-inequality/ endhomelessness.org/homelessness-in-america/what-causes-homelessness/inequality/ www.bostonglobe.com/2020/06/29/opinion/problem-is-white-supremacy/ I was not the one who decided that we had to fight tooth and nail for a life that we wanted, the system decided it for us. If you’d like to keep talking on the matter, I’m more than happy to. My insta is fernandaperez512 please feel free to message me.

[@kathrynrady8028]

I’m 36 and all of this is so true! A couple of adds: - if you can, find a job in your early 20s which pays you to travel and allows you to live on the expense account while you do so! Expand your horizons! - sexual chemistry is great in a relationship but it shouldn’t be the sole (or even the most important) determiner of a life partner. The ones who make you laugh, are your best friend and match your wants for the future (kids/no kids, want to travel/don’t want to travel etc) are the ones to snag!

[@bunchofbrunners8473]

Married 27 year old and I agree with both ^^

[@S-R-H]

Here is my bit of advice as a 47-year-old single mom of three grown kids who just graduated from law school. If anyone has trouble with public speaking and becoming too anxious that your voice audibly shakes, ask your doctor about prescribing a beta-blocker for social anxiety. This saved me. I could NEVER do public speaking no matter how hard I tried. I would get up to the podium and I would feel my heart beating out of my chest. Then, my heart racing led to my voice audibly shaking. The more I could hear my voice shake, the more nervous I became. My body would betray me. Now, that problem has disappeared. I take a medication an hour before public speaking, and it maintains my heartrate so my heart doesn't beat out of my chest. At first, I thought it had to be a placebo effect. It is not. Of course, talk to your doctor before starting any medication. But, if public speaking is a problem for you, this has been a life saver for me. In law school, I had to do a lot of presentations and mock trial type things. I was a mess the first semester before implementing the beta-blocker into my presentations. My professor literally told me the difference was "night and day."

[@catherineono1265]

Thank you for sharing this! I needed to hear this.

[@jenniferlane9000]

I'm the same age as you and much congratulations to you for finishing law school at our age with children. What a huge accomplishment. Pat yourself on the back. You deserve it.

[@sarahmansour311]

I just wanted to add that's it's not all beta blockers. It's one kind specifically! But congratulations!

[@daniellefaith47]

Omg, this is me. Thank you for mentioning this. I am definitely going to look into it. I was at the point where I just kinda assumed I would hit a limit in my career because going much higher in my field will require quite a bit of speaking at community events.

[@iammango08]

HOLY COW! i wish someone would have told me about this when i was young. Ive done public speaking since i was 6 yrs old with almost debilitating fear and the same symptoms u describes. I can’t believe something like this exists so THANK YOU THANK YOU!!!!

[@mgromz]

Great advice Taylor. When my daughter was 4, I started an educational fund for her (mutual funds) and by the time she was ready for college, it was completely paid for. I only had to invest $50/mo!

[@jessicalevy2415]

Going off of #1 - it’s so helpful to talk about salary, especially women. I would have left a TON of money on the table at a recent promotion if a couple of work friends hadn’t told me how much they made. Be aware what others in your field are making!

[@taylorwynn]

yessss. glad you asked them!

[@20thcenturyrelic]

Women are almost always underpaid compared to men in the same roles with similar backgrounds. I've been in situations where I had to lie about my previous salary to get a reasonable offer. I don't like to lie, but when the deck is stacked against you, you do what you have to do. One tip: don't do this in writing, for example on a job application. You could get the job and be fired for that. Keep in mind, most companies consider the salaries they pay to be confidential information they want to keep from competitors. So it's unlikely they'll disclose it. If applying online, and you have to put a number in a field to say what you made, or want to make, use "0" or "1." If the field doesn't require a number, but you have to say what you made, say "will discuss in interview." Or if you have to say what you want to make, but the field doesn't require a number, say "negotiable."

[@jessicalevy2415]

@@20thcenturyrelic Some states are making it illegal for interviewers to even ask that question bc it obviously puts women and people of color who have historically been underpaid at such a disadvantage. I hope more states follow suit!

[@jwies818]

That's such a good point!

[@20thcenturyrelic]

@@jwies818 I learned the info in the last paragraph in outplacement when I was laid off from a job.

[@AgaTSC2]

Great video! Another thing that I really wish was taught in high school along with better sex ed is: relationships, and specifically what is a healthy relationship and what are some red flags to look out for. Unfortunately, not all of us have the greatest examples at home, and if that is all we know, then we are almost destined to repeat those same mistakes. I do remember taking a class in high school that was mandatory that taught how to balance a check book, and how to budget. I feel it was super helpful as again, that was not something that was even discussed at home. Also, that is ok to be single! The best time I have had was when I was single! It's also when I had the most growth and learned about life.

[@dionnelatta9112]

Love this video! Wish I had this info in my 20s. My two cents is to be comfortable being alone. I think so many people think they have to be in a relationship to validate themselves. I didn't find my person until my mid thirties. I learned to travel alone, eat alone, go to the movies alone, enjoy my own company. Then you aren't reliant on someone else to feel whole 😍

[@michellepanopoulos215]

Something I’ve learned over my years - no one is coming to save you. You are the reason for the way your life is. If you want to change, you must change. Also, just opened my first investing account at the age of 40! Thanks for this video Taylor, I really learned a lot! I hope you do more videos like this!

[@taylorwynn]

amen to that. Thanks glad you liked it!

[@pinkiedee]

55 here. My advice? Don’t be afraid to walk away from relationships where your needs aren’t being met. You are important enough to expect respect and mutuality.

[@therisakoniak5261]

This is such great sounding advice! I’m in my early 40’s and everything you’ve mentioned is spot on and so wise! Some of those things I wished I knew in my 30’s! It’s never too early to start investing. I am in awe of you and how brave you are to start a journey to travel and live by yourself. I wished I had that drive and maturity when I was that age. It’s harder to do those things when you have kids down the line. What you’re doing now will make you so much more ready for when you have kids because you would have done all those things so you won’t feel like kids are what’s holding you back from your dreams. Been watching you for over 5 yrs and love watching your videos! Enjoy your time in Italy!

[@taylorwynn]

🖤🖤🖤 thank you so much, this was very sweet.

[@mrswebbshouse]

@@taylorwynn Are you running a give away?

[@holliecrawford8327]

@@taylorwynn Hey Taylor! I received a reply to my comment supposedly from you saying to contact you regarding a giveaway. Is it legit? PM me if needed..

[@mrswebbshouse]

@@holliecrawford8327 me too!

[@holliecrawford8327]

@@mrswebbshouse I'm thinking it's a scam. Don't send them anything.

[@tanyadaniels7910]

At the Age of 36 I have learned that my options also matters. And If I don't like how someone treats me I can speak up. Lots of love from South Africa 🇿🇦

[@chelechele25]

This video is pure gold, Taylor!! THANK YOU for talking about this and sharing such vital information ❤️ Knowledge is power in any and all aspects of life and it’s very sad that we aren’t taught these things as a general “rule of thumb” as children/teenagers. The way you use your platform is absolutely amazing and if no has told you today; Your an amazing human being!! Thank you for your time, energy, and your words of wisdom. ✨

[@taylorwynn]

This is so kind. Thank you!!

[@chelechele25]

@@taylorwynn your most welcome! Baeritto for life 🌯❤️✨

[@juelclyne7392]

Awww 🥰 Taylor, please make Sunday a weekly upload as I just love ❤️ having my breakfast with you. I’ll never get tired of telling you how awesome I think you are 😍😍😍😍

[@taylorwynn]

❤️❤️❤️ aw thank you!!

[@hannywhyy3415]

I recently turned 30 and I’m telling the 20 year olds at work what I learnt and alot of it was in this video thank you Taylor I felt crazy trying to tell these younger kids seriously I wish I did this in my 20s their like yeah yeah whatever Hannah haha

[@kristipatterson9952]

Happy Belated Birthday, sweet Taylor. I am now 61-years-old, and it's amazing how many new things I learn on a daily basis. I wish I was more weary of the sun (sun damage for your skin) , and how important it is to save money and invest. Many, many more things as well. 💙💙💙💙

[@coffeebeforemascara]

Sun damage, boy howdy.....

[@holliecrawford8327]

So many young people feel the need to rush into marriage so early in life. Like, right after high school or in their early 20's. I was one of them. Got married at 21, had my first son at 24 and my last son at 25. They're 18 months apart. Now, I love my sons dearly. But, I married the wrong guy for me, they're father. A very immature person. We divorced when I was 29. My boys are grown now, 21 & 22 but the years leading up to 2020, when my youngest son graduated HS, were pure hell dealing with their father. So, young people, my advice is to live life. Graduate HS, go to college even if it's a 2 year college and if you absolutely don't want to go to college, get a job and save up money. Live on your own for a while. Support yourself. That alone is a huge self gratification that you need in life before settling down with someone. Give yourself time to grow and learn life some. Of course learning is never-ending throughout life, period, but starting off young makes a difference. I promise! XOXO to all! Have a blessed week!

[@jacky8695]

Mid 20s rn and definitely agree with so much you mentioned. I've been struggling with feeling like I'm behind. I was planning on using my early mid 20s for fun before buckling down and then covid just put so much on hold. But I just keep reminding myself there's time and as long as I'm happy and healthy and planning for the future it'll be okay and things will work out. Loved this video 🖤

[@zebrastrong9291]

The biggest struggle that I struggle with is making time for me. With my EDS, I always feel like my times that my body is cooperating should be used doing something productive.. On that note.. take care of your body! You only get the one, and you won’t always have that body that bounces back like it does in your 20s..

[@mrswebbshouse]

What does EDS stand for?

[@zebrastrong9291]

@@mrswebbshouse Ehlers Danlos Syndrome

[@mrswebbshouse]

@@zebrastrong9291 I thought so I have EDS TOO!!! I can totally relate. I'm 52 and my body has taken a lot but I am still hanging in there. Really good to meet you it is rare to find someone with EDS. If you don't mind me asking what type do you have?

[@zebrastrong9291]

@@mrswebbshouse my family has arthrochalasia type

[@jowiens32]

Here’s some advice that I wish I had learned when I was in my 20s. I can see so clearly know how much pain it would have saved me. Learn to make boundaries with every relationship in your life, don’t apologize for them, and hold people to them. It’s so important! In the past it felt like I was doing something kind of mean when I would give someone boundaries but I have learned that it’s actually love for myself and also for them. Without giving people around you boundaries they don’t know how to love you in a way that you need to be loved, and sometimes they would really like to know how.

[@stephiec4062]

I'm 23 and still have no idea what I should be doing career-wise... I just graduated from college with an English degree, but I've had awful luck finding and applying to jobs. Nobody has gotten back to me. I'm stuck working a minimum wage retail job and it's super depressing...

[@Keepinitreal55]

Above all, the advice I would give women at 31, is have kids early!! Do not put that on the back burner thinking that you can have them any time. That is a myth!! A peak of fertility is like 24 years old, things start declining after that. It’s much harder to get pregnant in your 30s, and many many women struggle and it is the biggest heartbreak. Don’t be mislead, ask yourself what is it that YOU actually really want! Not what the toxic feminism is pushing on you.

[@calliew311]

One thing I learned is that your parents aren't always right. My husband and my own parents are different times in our relationship, have had problems with our partners, so my in-laws and my husband's in-laws (my parents). I used to always take my parents side (for the MOST part). But I learned that they aren't always right and my husband and I have been married 11 years now. If we let our parents interfere, we wouldn't even have been married, since it was a long distance relationship. I've always protected my husband, and he always protected me from his parents. Sometimes, we had to cut them off, but we always, made up with them eventually.

[@taradeem4747]

Hi! My advice that I wish someone had told me in my 20s (I’m 44 now) is to network, network, network. By that I mean, no matter what job you do, make friends with everyone you can in your organization. In this day and age you will most likely change companies and/or careers multiple times. You will be shocked who will come out of the woodwork to help you IF you were a kind, honest and trustworthy friend to others. If someone was a jerk to others I’ve watched opportunities be denied to them years later because people remember how they acted.

[@Kayytee210]

I love your advice on saying no, but as someone who used to always say no I've also learned the power of saying yes! Sometimes doing something you don't love the idea of doing is the best thing for you to get out of your comfort zone and grow.

[@kdawgsblawg2661]

I appreciate you discussing these topics and tips as a beauty/lifestyle content creator. It doesn't get talked about enough, and I think it's important to share to an [young-ish] adult audience such as my 30 yo self.

[@aprilsachs8773]

I will be 45 this year and I love, love this video!! I think you nailed it on the head, I will be sharing this video with my children in there 20’s and everyone one else that I can think of no matter the age cause I think all ages can benefit from this. Thank you!!

[@taylorwynn]

aw love that, thank you!

[@hlu777]

YES!!🙌 Why oh why is this stuff not taught in high school?!? I personally think it should be taught in high school because some kids don't go to college [at least where I live]. Taylor you are so wise for 30. You share such great advice & life lessons. I'm 45 for context. I'm so lucky to have had the parents I did. My mom taught me at 18 to start building credit & it seriously paid off. I could buy any house or car I wanted, when my friends still needed their parents. It's important to learn to handle credit cards as a tool that can work for you, rather than you working for it [to pay it off]. One thing I'd like to add, is in order to build that credit - DO NOT EVER spend more than you can afford to pay off. 2-3 months a year, buy something small pay off 85%, then pay the remainder off the next month. The other 9-10 months, buy something & pay it off in full. You have to carry a small balance a couple (2-3) months a year to really effectively build your credit. By doing that, in my early 30's I was able to get a car loan with 2.3% interest & get a credit card that has a 9% interest rate, which I still have & is still virtually unheard of to my knowledge. Obviously the lower the interest rate the more money goes to principal & the quicker you can pay it off. The most important thing is to not overextend yourself because there's nothing worse than tens of thousands of dollars of credit card debt with interest accruing by 30% each month. Be VERY careful. Credit card debt can truly ruin lives. If you can't exercise self control I personally wouldn't recommend getting a credit card or at the very least ask for the lowest credit limit they can offer & ask them to not increase the limit. If you don't know credit card limits increase as you build your credit which can get you into trouble because you see that you can spend $25k🤑 & a lot of people can't resist that. I get it, it's super tempting, but $25k x 30% interest/month. For example say you have $25k on a credit card @ 30% int. Your minimum payment would be about $627/mo. It will take you 19.5 years to pay it off & the total interest would be $120,949.33!!😱☠️ So please be careful. Also, when you buy a car make extra payments on it so you can pay it off early. It saves you thousands of dollars of interest. Same goes for your home. I'm so blessed/lucky, my Dad taught me about "the millionaire next door" it might be a book or something, but it's this "don't judge a book by its cover" concept that the guy next door who's driving an old beat up vehicle, wearing older clothes, etc. could actually be a millionaire because he doesn't by the newest most expensive cars, clothes, homes, etc. Instead he saves his money & invests wisely and thus he's amassed a fortune. I'm not perfect at it, I like to travel, but I definitely have lived my financial life by those principles which has been the foundation of my success. I try to find a happy medium between living & enjoying life while not overextending ourselves financially. About salary negotiations..as a Manager I'd like to caution college graduates about having an overinflated opinion of your self worth regarding salaries. Yes, absolutely it's important not to sell yourself short & know how to negotiate, but more times than not I've seen noobs have an overinflated opinion of their worth & negotiate themselves into an unhireable situation. Keep in mind it all depends on where you live & what your field is. I live in a smaller big city in a poor state. There's only 3 hospital systems in my state. Kids will apply to all 3 go on interviews & request far & above even what the CEO's are making & 2 months later their calling me everyday begging to clean toilets for next to nothing because now they can't get a job anywhere. Please NEVER underestimate the power of getting your foot in the door. It's important to know when to take the offer & be thankful to simply get your foot in the door. Your work will show for itself & it will eventually pay off & you will have new opportunities open up & if you want to you can certainly work your way up. I was once laid off as a Supervisor (the company closed the office in our state). I applied for Supervisor positions everywhere, but no one would interview me because they hire within, which I 100% agree with, but at the time I didn't want to take a step backwards because I thought it would look bad on my resume. Unfortunately I never got called for interviews. So I applied as a Denials & Appeals Specialist, which is 2 pay grades below a Supervisor. I got that job with the best company in the state! 6 months later I was a Lead, 3 months after that I was a Supervisor & 6 months after that I was a Manager. So in a year & 3 months I was above where I had ever aspired, making more money than I thought possible & I love my job!! Yes, I absolutely worked my ass off, but while peers were still looking for a job after we'd all been laid off, I was a Manager & that was only because I wasn't "too good" or above taking a step back to take a step forward. So, never underestimate the power of getting your foot in the door.

[@20thcenturyrelic]

You're giving some good advice here, especially about credit. I had to learn some hard lessons with that. However, I'm surprised to read that you were applying to companies that promoted from within. Maybe that's an industry or a regional thing. Most companies I've worked at didn't promote from within. In the 90s, I worked for a company that sold and serviced point of sale equipment. I worked there for 5 years, and applied for 6 jobs I was well qualified for, including a promotion in my own department. I was interviewed twice and got neither job. And to make it worse, I had to train the person who was brought in to our department. Just recently, I worked for a broadcasting company for 4 years, and applied for 5 internal jobs I was well qualified for. I was interviewed once and wasn't hired. I've concluded that many companies have informal policies of not promoting from within. If you have to take a job below what you should be at, realize that you may be stuck, and be prepared to leave in a year or two. Sometimes, no matter how hard you work, (and believe me I did!), you're not going to be able to work your way up.

[@hlu777]

@@20thcenturyrelic Excellent points. There are companies/industries who prefer to hire from outside. They one company I worked briefly for that hired externally said it's because outsiders can bring a "fresh perspective". It never set well with me & I didn't stay there long. I've seen it done both ways, but I never thought it was right for a seasoned, experienced employee who was passed over for a promotion to have to train someone from the outside. That's a sure fire way to create a disgruntled employee which can cause a lot of problems within the workplace & problems = decreased efficiency & productivity. Studies have shown the hundreds of thousands of dollars it costs a company to hire & train just 1 new employee. They just start to know what they're doing & start to feel confident 9-10 months into their position (in my field) & if they only stay 2-3 yrs, that company is paying hundreds of thousands of dollars training someone to literally go work for your competitor! That's just 1 employee. If there is even 1 or 2 more employees who take their knowledge elsewhere, that dollar amount quickly jumps into the millions of dollars. I still believe in building long-term business relationships & having experienced employees who are specialists in what they do. Although I know that's an antiquated concept these days. From the employee perspective however they recommend changing positions and/or changing companies every 3-5 yrs in order to earn the most amount of money. That really wouldn't work where I live, but in other states with lots of businesses hiring the same positions I could see the merit in approaching your career that way. Thank you for your comment. Wishing you great success & prosperity.

[@Buffballerina1996]

Can you make a video about the websites/tips and tricks you use on saving money booking your flights??✈️ 😉🤍

[@Sam-xx5ux]

i have been a subscriber for YEARS since my teenage days (this is a new account) and am now 23. this is such a confusing time for me but this video and these comments made me emotional :,) thank you for this video ❤️

[@gross4029]

My mom got me a credit card when I went to college and honestly it was the literal smartest thing she ever did for me. My credit score is amazing now, only 7 years after graduating. What she explained to me was that credit shouldn’t be used for thing you actually need like groceries and stuff, it’s for the extras. If you can, always use a debit card or cash for those things!

[@taylorwynn]

That's great she started building your credit young! You can totally use credit for groceries and necessities though to get those points! Just make sure you're only spending what you actually have and never above your means.

[@20thcenturyrelic]

What I had to learn when debit cards became a thing is that it's like writing a check. Except there's no "float."

[@jillyhawk_4581]

I’m a recruiter for professional services and I’d say the number one thing we look for is personality/demeanor even over technical skills! If not number one, then number two. How you interact with people and work in a team is so important!

[@Rose_Sakura]

I'm in my late 30's and this was great advice. The 30's have definitely been my best decade of life so far. Your advice on the health stuff is right on target. I'm a nurse with chronic health issues and the patients who don't advocate or educate themselves on their own health often don't do as well. My only other piece of advice would be to learn how to establish and maintain boundaries in life. I am constantly giving and using this advice.

[@ceceliamaryn]

Re: Negotiating. A GREAT book to learn how to be a better negotiator is Never Split the Difference by Chris Voss. He's a former FBI hostage negotiator and has really helpful actionable tips (with interesting stories sprinkled in too!) Highly recommended.

[@taylorwynn]

Oo interesting!!

[@abe5849]

I agree with your book suggestions and that there should be a class in high school for kids to learn this. I would also add the books Emotional Intelligence and Crucial Conversations. Also, a prenup is an important document and a tool for discussion before getting married. It’s about taking care of yourself and valuing yourself. Many people don’t understand the financial implications of marriage and divorce.

[@audreycampbell9483]

I agree if you have any assets you need a prenuptial because there is no partner who is 100% trustworthy when they get angry. I had purchased a Farm and always had it in my name, 15 years later I married and when we divorced he tried to claim some of the value of the farm. In Michigan they allow that. We fought it in court and won but that was expensive. Better to have a contract from the get go even for the nicest person. Don't trust anyone. Just protect yourself.

[@andreadavis1250]

I have taught for years in NC and it is taught in our schools. It is an elective course though.

[@20thcenturyrelic]

You're so right! Even if you don't have assets when you marry, you'll almost certainly acquire them along the way. i live in a community property state, and I'm unlikely to marry at my age, but if I do, prenup!

[@dontforget2smile]

There was a class in high school I took that was called Life Management that literally did teach you to balance a check book, about mortgages, life skills, etc. It was pretty nice. :)

[@kimmip5927]

So many good tips. The financial stuff is so big for me. I’m LOST when it comes to investing and retiring. I have a daughter and I want to be able to help her and myself. So any advice is appreciated. Thank you!

[@elegancebythemile]

You are so wise and I really admire that about you! You seem to have a very good head on your shoulders. I also feel like we're friends, even though we've never met. Thanks for sharing your life with us!

[@abubakarumar1717]

HI. Congratulations 🎉🎉 Your youtube profile have been selected as One of the random winners of my today's Giveaway. Send me a message via my telegram page above to claim your prize, 👏🏆🥇❤️‍💯

[@CallHerCassie]

If you’re reading this you don’t need credit - there are other ways to get loans

[@jenfarina1892]

I'm also 30 and this video has inspired me to put it on my calendar to actually start investing (I have my retirement and do small things in the Acorns app and have a high yield savings account/CD) but I recently read The Simple Path to Wealth but just haven't done anything yet, but you've inspired me to figure it out this week. also, I 100% agree with the air fryer. 😀

[@TheKiwibirder]

Some very good advice! As someone who is 53 and has made my share of mistakes (most in my 20s!), let me add a few things: 1. Do not automatically dismiss the beliefs of your parents, either. Yes, you are your own person and can make your own decisions, but in your 20's (and 30s), it is VERY tempting to dismiss some more "traditional" views on faith and morals because the entire culture is virtually SCREAMING at you 24/7: "Do whatever makes you happy! Nobody has the right to tell you what to do, ever! There is no such thing as objective truth, or right and wrong. What is "true" for one person may not be "true" for someone else." This is hogwash. I'm not talking about personal preferences here, but bigger moral issues. 2. When it comes to those bigger moral issues, it's vitally important that you are NOT driven by your feelings and emotions. We human beings have an infinite capacity to justify our (immoral) actions based on our feelings. (Take it from me. I am not being holier-than-thou. I've done this.) You are NEVER the exception to a timeless moral law, no matter what the "unique" circumstances. Pretending or insisting that you are will lead to nothing but misery for you (and possibly others) in the end. 3. Regarding the two points above, one of the most important lessons you can learn is the difference between "pleasure" and "happiness." "Pleasure" refers to the enjoyable feelings and emotions you experience while engaging in a particular activity. This activity "feels good" in the moment, but may or may not contribute to "happiness." "Happiness" refers to a general state of contentment, free of anxiety, regret, and guilt that arise as the result of your own actions and bad decisions. Pleasure does not always lead to happiness, and can, in fact, destroy it in the long-term. Actions and decisions that lead to happiness can sometimes fail to provide pleasure in the moment, but do contribute to your long-term well-being and contentment. For example, eating 1/2 gallon of ice cream in front of the TV every night is certainly pleasurable, but will not really contribute to your happiness in the end. Instead, it will cause you to become overweight, unhealthy, and disease-prone. Getting up early and exercising every day may not feel pleasurable in the moment, but WILL contribute to your long-term happiness. Spending every dime you make is likewise "pleasurable," but will not contribute to your long-term happiness, while saving and investing requires sacrifice in the moment, but WILL contribute to your long-term happiness. What I have learned the hard way is that the same applies to following some of those "outdated" moral precepts. Making decisions based solely on your feelings and not the moral law will NOT lead to your long-term happiness. Your feelings and emotions, no matter how strong, will never change this reality.

[@marandaroberts4829]

taylor, thank you so much for this video. i’m 23 and just keep thinking that I’m so behind where I wanted to be at this age. That it’s “too” late to do what I want or have the things I want. This video felt so real and needed. ❤

[@calliew311]

You're so young! You are NOT behind. Don't stress yourself out, pls! And do NOT constantly compare yourself to people from high school, and where they are at in life and what they are doing. That's their journey, and you are on yours.

[@NailsByKatieDutra]

I remember in high school my Foods class teacher took one day to teach us about debt, writing checks, credit cards etc. probably was the most helpful day from my entire high school life lol.

[@t.a.d.7892]

Networking, how to interview, how to show confidence at work, how to dress for work, common business etiquette, and business COMMUNICATION skills, proper time management and prioritization, how to get work done efficiently, how to keep an organized office, how to spice food, how to grill-bake-fry food,.... Just basic but wished i knew more on these sooner. It would have saved me ALOT of heartache in my 20s

[@Amanda-bu5xy]

I want to stress something as well. You can say NO to anyone at ANY TIME. ESPECIALLY if it's about your own body. DO NOT let ANYONE make you feel bad about saying no.

[@dionline88]

Excellent nuggets in your video. I'd add, listen to your parents. They know more, they've been through more and, by & large, no one wants better for you. It's OK to not want children. Not everyone 'should' have children. Life can be quite satisfying without them. You don't need to buy the latest 'it' thing to have - FAR too much keeping up with the Joneses. And yes, build your credit and get/keep that credit score up! Hubby is a retired bank VP and he taught me so much. Great video - everyone can learn something from this...

[@cassiepoorman268]

Thank you so much for making this video. I’ve been really stuck in a rut lately and you made me think about a few things that put a fire under my ass to make some changes. I needed the reminder! ❤️

[@chandasue101]

I am in my 40's. My advice is: 1) read the book 'Year of the Yes' by Shonda Rhimes at the beginning of each year. 2) learn to say no and you don't need to give a reason. 3) learn to coupon. 3) learn the difference between a want and a need. 4) Don't give up on a goal or a thing you want in the future for what you want right now. 5) take failures as a lesson and not personally or put yourself down. 6) take the word can't to the word try. 7) if a doctors don't listen when it comes to yourself, find one that will. Get second or even 3rd opinions. 8) don't just take the easiest or cheapest health insurance. Investigate the company. Try to get one with they pay 80% or more and you pay 20%. Even check into a deductible. 9) when having kids name pick a name as an adult. The child in an adult longer than a child. 10) give children room to makes mistakes. Being a helicopter patent will bite you in a relationship when they are older. 11) don't give your adult children advice unless they ask for it. You may come across as over parenting and it may push them away to the point they won't come to you for advice in the future or tell you things of their life. 13) open a savings account when they are babies. Each kid open a account with $100. As they grow add money by their age. Birthday at age 1 it's $1. Age 2 add $2. Then when they graduate the have money for deposits for things in college. 14) make your kids do chores starting in 1st grade. It teaches work ethic and responsibility. 15) make your kids help you cook meals starting in junior high and make them set the table to eat that meal. It's teaches them to be self sufficient. 16) take one day a month to date your spouse/or partner. No work talk and no phones, no family subjects. Talk about you and them only. If you are single, date yourself. Going out to dinner and a movie alone makes you feel more independent. 17) no question is a dumb question. Learn to ask questions. 18) don't try to do it all like HOA board, pta president, committees ect. Pick one and do one. Don't do it all. 19) take pride in your work to have integrity. 20) having few true friends is better than having many. Keep your circle small. 21) let people gain your trust instead of giving all your trust for it to be broken but keep an open mind. 22) not everyone is in your life for a lifetime. Some are but some are not and be thankful for the time with them. 23) when your in the wrong, own it and try to do better. 24) pick your battles. Having peace is better than being right. 25) asking for help is NOT showing weakness. It shows you are willing to learn. 26) accept change as a good thing. Even if it good or bad. You will be thankful for the lesson learned. 27) regret nothing. Apologies are important because it shows you are a person that can admit when they are wrong. Perfection is not your burden to carry. 28) listen to your gut. If you are in doubt the answer is no. If you have a bad feeling, don't do it. 29) your never to young to get a degree or go to college. 30) journal every day. Don't miss a day. At the end of each year re-read the journals to prove the things you have overcome. It's proof of how you have grown as a person. There is so much more but I am proud of you Taylor! Thank you for all you do!❤️💜💙🧡🤍

[@silkesilke1249]

This video and the one Jessica Braun made are my very favourites! So honest and helpful and funny as well. And Taylor, you are my favourite KZbinr 🤗 Thank you and greetings from Germany, love, Silke ❤️

[@k74728]

I only just learned a few months ago that I need to log in and tell my money where to go for our 401ks and Roth IRAs 🤦🏼‍♀️ but I’m so grateful I learned that at 26 and not 46 or later! Growing up poor with no financial education is expensive!

[@therealsandraweise]

Oh no Taylor never make the mistake of thinking your insurance person is your friend or anything other than a SALES PERSON. Yes you get free info on the front end BUT THEY ARE SELLING YOU PRODUCT TOO know they use every single possible kernel of info you share to increase your rate. They are paid a ratio of your rate. If you share a story that was an accident that you never sought reimbursement for, they will note it on your record and add points that determine your future rate. They are slime balls once you have a need.

[@cocochan-t6e]

Freeze your eggs! It is okay to be single but if you want a child one day, freeze your eggs now. The fecundity of women decreases gradually but significantly beginning approximately at age 32 years. I’m 28 years old and I’m hearing the greatest advice from someone in their 40s. They told me they wish they knew to freeze their eggs in their 20s.

[@imscanon]

1000% invest young and pay your future self before anything else. Social Security, if it's still around, isn't enough to live on so you must max your 401k contributions or get an IRA. Buy a retirement property young either just land or something you can rent out. When you're 50, either fix it up or sell it for something else you don't need a mortgage on. All you want to be paying is property taxes, utilities, etc. and be sure you can afford that on your retirement income. In some areas property taxes can easily be higher than you'll be getting on SS, so find a small place with low taxes so that when you do retire, you have a place you can afford for life with low enough expenses to let you enjoy your retirement but also pay for medical stuff. I cannot stress enough how difficult living on only social security is so you must have significant investments. Things I regret most was not buying Microsoft or Apple stock when desktop computers were invented or freaking crypto...why did I not do that? I'm an accountant, I should have known. Invest.

[@diannechristino]

You are waaaaaaaaaaay ahead of the game. I'm 54 and really started to fully know myself once I hit my 40s (so know that it only gets better with age) and even if I was advised of all this stuff, when you are young, you don't listen, you learn and hopefully grow. Hence, wisdom, which, again, you are full of so young. Lucky girl. ps. we "make" time for anything that is a priority, otherwise it's an excuse. You are living my dream life. :-)

[@ginawhite4808]

Regardless of who the other person is.... Being yelled at, called names, cursed at or demanded is NOT a normal part of a healthy, loving relationship. If it happens, you can explain that you will not accept or engage with such behavior. If it happens again, that person has to be moved a step away from you or completely. Period. That's not being unforgiving or "better than". It is valuing yourself and teaching yourself that you have a right to ask & receieve kindness.

[@deniselovesglitter]

Wait … don’t they have burritos in Italy? 🤪 Kidding aside, yes to all of this! So many life skills should be part of high school curriculum, or at the very least be taught to everyone by your folks. As women, WHYYYYYY are we such people pleasers, saying ‘sorry … ‘ before everything, even something as innocuous as asking the server for a spoon?? It’s mind blowing and something I’ve always worked at, even I’m my ripe old age. You’re one of my very favorite you tubers, and I love your story 🥰

[@amandak7334]

EXCELLENT video! This is more stuff everyone should be talking about.

[@kleague41]

I'm in my early 50's and not near as educated, confident, knowledgeable, self-aware, mature acting as you are. I would have loved to have turned out just like you. I'm sure your family is so proud of you!!!

[@maiden411]

Great content! One of my recommendations is to read, read, READ! You will expand your mind and improve your vocabulary. Next, listen more than talk. I really enjoy meeting new people, and discovering who they are and the life they’ve lived. 💕 Practice kindness and generosity of heart. I love to give a genuine compliment to other women that I pass as I walk by them. That little bit of kindness can mean so much to them and it cost you nothing. Finally, let it go. Don’t hold onto grudges, anger or resentment, because it only hurts you. Staying in that place will stunt your emotional growth. Taylor you are an impressive young woman! 🌸

[@RegrettablyLongwinded]

Make sure you build *enough* credit! I have a pretty decent score (mid 700s) thanks to a good student loan and bill payment history, and have been an authorized user on my mother's card for years. Despite that, I was declined from several banks for a $6k car loan due to not having enough different lines of credit in my life. Get a few cards, even if you barely ever use them! Variety is important!

[@barbaraz.5396]

What I would suggest to my 20's self is : don't try to overmanage everything! I was such a control freak, it was really stressful 😂 now in my 40's I'm way more chill

[@martinamnm]

You have a great outlook on life and I appreciate you sharing your thoughts on some really important life issues/ situations. I 1000% agree with the last point- I've learnt the hard way to now get at least 3 different opinions from separate doctors (for serious health issues, surgeries etc.), doing my own research and asking a LOT of questions.

[@mlcwildlifepr]

Don’t stay in a relationship just because you have invested time or you have kids or …. Especially if that person is abusive in any way. YOU are worth MORE than that.

[@rach9622]

Something I wish I knew before I hit adulthood is here in the US medical bills will count against your credit score. Seems ass backwards, but I had a few crappy things happen at 18 with my health and didn't know that would basically take me down further than having no credit 😂

[@nadisa76]

This video was great and super informative but it was also quite upsetting. I am 45 and have no money for various reasons and not because of a lack of work. I find the topic of investing extremely difficult to grasp as to me investing money (when you have none or very little to spare) seems too risky and potentially losing the little money we have is just not an option. My partner and I haven‘t got a clue about money and struggle to keep it together also due to bad spending habits (expensive hobbies). So how do you even approach a tropic such as this when surely everyone out there (banks, financial advisors etc) is just out to get whatever money they can out of us. Yes, trust issues are a thing here. But at the same time the thought of working until I am 70 is just soul crushing. I have cancer and struggle with physical (and as a result also mental) health and am just so worried that one day we might lose the house if my cancer comes back or I lose my job or my partner loses his. Anyway, thanks for sharing. I‘ll have to find out about riskfree investment. Just not sure where to start to be honest.

[@katiebrown7617]

I’m 37 and this video was filled with so much great advice! Some of these things I wish my younger self would have known or learned. I’m single and have never been married and sometimes I feel like I’m behind in life due to societal pressures that women must get married and have children by a certain age or you’re deemed less of a women or something. People need to understand that may not be everyone’s dream (yes, I would like to be married some day). I need to remember we aren’t all on the same timeline and that’s okay. I have been in the Air Force for nearly 19 years and lived all over the world, my career had always been front runner in my life and relationships would typically take the back burner or not last due to moving all the time. Another thing that kind of goes along with all that is it’s never too late… and this can refer to many different aspects in life. Live your life the way that feels right to you and keep on pushing 😄 great video Taylor! I loved scrolling through the comments and seeing the wide range of ages who stopped by to not only watch this video but comment on it. Very cool!

[@karladiaz2764]

I'm 30 as well and in my early 20's I worked like crazy I didn't have a social life don't regret it . I'm very happy I worked hard at a young age now I can travel to my home country very frequently I go like 4 times a year. So happy your traveling

[@melissaperinchief9232]

Oh god, take the credit advice with a grain of salt! Credit companies are predatory and can be damaging to young people if they aren’t wary. I’m 47 and speaking from unfortunate experiences of my own and my friends.

[@4nikkimay]

I downloaded The Alchemist. Thanks for the recommendation. Lots of great tips in this video. And it’s always good to see where you can improve. 💕

[@iaxandthemoon2471]

I compared myself to other people my age and feet like I am 10 years behind. But then I realised that I do not even want that live (like having kids, I want kids, but not before 30)

[@DML_81]

Lol, currently eating a frozen burrito. Believe me, there's nothing to be jealous about! It ain't the best... 🤣

[@imscanon]

Do your best to learn in advance what the last person in the job made and target just above that if it's a good number. Always look up the current cost of living rise before bringing up that raise and don't go below that increase. You must get at least that % or you're getting poorer rather than richer and if you don't get a raise, get a new job then quit the old one because they don't respect you. You have value. You are an asset to them if you're doing a great job (and if you aren't, become one before asking for a raise). Don't work overtime every week if you aren't getting paid for it. If you can't do a job in 40 hrs, they need more staff or you need to be faster at it. If you're already fast and good at it, why are you working for free? Only do overtime when you can be a rockstar if you do (special project type thing) and don't do it often. So when you interview, ask about what a general workweek looks like there and check the parking lot at 5:15 and see if it's still just as full. Don't work for someone who doesn't value your contribution.

[@killope89]

I find it strange people weren’t taught these things in school…. I’m 33 and this was taught to me in high school 2004-2007

[@gainsngrief3]

I'm 36 and in my 20s I was hell bent on "figuring it out" as soon as possible. I wish someone had told me that I had time and that understanding myself and what I want would come with time and lived experiences. I am in such a better mental place now than I was then but for those of you still in your 20s....its okay not to know what you want yet.

[@itsmecandicemarie]

I would add to build credit without living on credit or living outside of your means. Budget budget budget. Use cash to manage your budget. Don't pay the minimum payment due on cards when you use them. Don't date every person that asks you out. It's ok to be alone. Do what you want. Be who you want to be. A romantic relationship doesn't define you. It's ok to cut off toxic family. Blood doesn't mean people have the right to abuse you. I wish I'd cut my family off in my 20s. It's ok to not want marriage or kids.

[@kimc555]

Every employee, regardless of time with an employer deserves work/life balance. That doesn’t mean, there’s aren’t sacrifices in the early years. But your time away from work needs to be respected.

[@daphnieconnell9593]

I'm glad I'm not the only one who doesn't like cooking lol I have 2 kids and a big kid(husband lol), so I have to, but I can't stand cooking . In my earlier 20s late 20, I loved it not anymore😅

[@brittanyadams217]

After work at a bar I worked at I would go out to eat for lunch and sometimes go see an added

[@abubakarumar1717]

HI. Congratulations 🎉🎉 Your youtube profile have been selected as One of the random winners of my today's Giveaway. Send me a message via my telegram page above to claim your prize, 👏🏆🥇❤️‍💯

[@sherrisponenberg444]

I am 59 yrs old watching your vids on the regular... you are a wise young woman.. impressed!!!!

[@emmamcfadden2353]

Also, GO TO THERAPY. Even if you feel like you had a “normal” childhood. Go. To. Therapy. You don’t have to be at rock bottom for therapy. Learn about you. Learn about relationships. Learn about mental health. It’s so worth it.

[@kf10126]

Lots of good tips. They should also teach people how to do taxes lol. I've always done my own but my 26-year-old daughter probably will never do them. One thing that was nice for me was my mom has always been my insurance agent and when she retired I knew replacement already. I've always had that one in the bag.

[@paranormalphotographer05]

Never sell your self short. Knowledge is power. Never stop educating yourself. people have told me no you can't do that you're a girl. You're not capable because you are a girl. The real answer is YES. Yes you can. You can learn and educate yourself and get it done yourself.

[@imscanon]

Credit is King. Don't overextend and pay it off asap. If you're new to credit, get a prepaid card that builds credit. You put $500 on it and use it then put more on it, etc. Once you get that down, get a card with high rewards but a lower limit to use for internet purchases so that if it's stolen, there isn't much to get off it because you pay it off every month and only have a limit of what you expect to buy in a month and pay off. Have a couple cards but be aware that the limits affect the credit score. if you want a loan but they see you have max limits totaling 50k, they compute that in the score as if you'd maxxed it out and can you still pay those plus this new loan with the salary you make.

[@taylorerickson4711]

27, and really going through a period of uncomfortable, but good (I hope) change. This vid brought a lot of comfort… also the realization that i need to get smarter with money 😅 but hey, I have an air fryer! Thanks Taylor!

[@yoliezackschewski9406]

I’ve watched you for years and years & this has to be my favorite video ever. I just turned 29 and felt like I had a mid life crisis. Im beginning my nursing career after changing from a psych background & I am not enjoying my job right now. I made the decision to focus on my feelings and change my job to find my happiness. And although I feel like im letting people down - it is my life and I can make my own decisions since I live outside my parents home. I love them. And I want to be happy bc I will go to work everyday - nobody else for me. I really wish I felt this way earlier in my 20’s but I don’t like to regret anything. Im taking all this advice and moving forward with it and I can’t wait to read those books you recommended ! I also put so much pressure on myself thinking this 1 job will be my forever job when in reality it won’t. I just need go present and in the moment. I have 0 work life balance and I want to make more time for me to be happy and also see my family more. ❤️

[@jenn7753]

This is such an important lesson to learn! Society pressures literal teenagers to decide what they want to do for the rest of their lives and then commit to it, many times taking on crushing amounts of debt to achieve it. You are not the same person at 25 that you were at 18 and you won’t be the same person at 30 or 40. Give yourself permission to explore, change and pivot as often as you need to in order to live your best life.

[@madmudd96]

YES THE AIR FRYER! I would also recommend investing the extra money in the Ninja air fryer/ pressure cooker duo! Saves lots of counter space

[@roxiec4344]

Check with your credit card companies! My daughter has been an authorized user on my credit card for about 4 years now and she’s not quite 16 yet. The goal is to give her some credit history before she turns 18 so she can learn how to be responsible with it before then!

[@R.L.Maverick]

I agree with so much that you have said! While you eluded to the concepts of time, I would add that you can never get time back. Once it is gone, it’s gone…remember to do all the fun things (to you) in life. And while 40 is the new 25 and 60 is the new 45 for some…this isn’t for everyone. Find ways to manage stress early on AND absolutely travel while you are younger!!! Regardless of how fit you keep, when you get older it will be a bit more difficult to get around as you age then when you were 20. Also, this may be unpopular but I will say it anyway, getting multiple enhancements including fillers and elective surgeries at a young age is counterintuitive. If you stretch your lips out at 22 with fillers, when you stop getting treatments by 40 your lips are going to wrecked. Consider waiting until you actually lose collagen and volume before these often persistent procedures. Age is a gift. And while people should do what makes them happy. I caution you to peak too soon with enhancements. Imagine if you took the $5K you spent on extensions, nails, etc and put it in a 401K or savings. Compound interest is real. Great discussion!!!!

[@kittydebs]

I am 53 and greatly enjoyed your video. I also agree with everything you said. Thanks for mentioning the vote💜

[@ashleymizushima1840]

I would love a dedicated video on your finance tips and what you've done and learned along the way. I love your vlogs and also admire you as a person. Your drive and outlook is remarkable

[@ninarindal1941]

I am 37. I’ve learned a lot after 30. the best advice is : Don’t care what other people think of you ❤️

[@Kelly_mt]

As I’ve gotten older the thing that just become so apparent is that I only have so much energy every day so really be mindful of who and what you spend it on… consciously decide if you want to spend time, energy and money things and don’t be afraid to say no. Also advocate for yourself and your life in every way, every day… look after yourself first and remember that it is your life and it’s up to you how it turns out!

[@dianal9346]

I’ve considered investing but how do we know we will even make it to retirement? In today’s world with the state of the world, I don’t think we’ll make it. That, or/and, the American dollar will lose its value.

[@dmaria8684]

I absolutely agree basic things aren’t taught in high school about personal finance. I had a economics class my junior year that had a few chapters on personal finance. I suspect personal finance is a parental responsibility that is taught in the home from a young age. Basic responsibility that’s tailored to your home and family values. With that said, some families absolutely neglect that aspect of education for young kids and young adults for different reasons.

[@Jacqueline_R]

I would say, try to stay home with your kids if possible . Was not possible for me. Just one thing I would change.