I'm 32. If you're in your 20s, WATCH THIS

[@rohan6167]

Some years you win, Some years you fall & learn, Some years you build character. None of them is ever a loss

[@t-games7419]

Man you are quite right yaar

[@jaemaxx]

there are years that ask questions and then there are years that provide answers

[@MhrdXrxs]

I’m actually glad I made so many mistakes in my 20s because if I hadn’t, I wouldn’t be where I am today. Mistakes are such an important part of life, they teach you valuable lessons and show you how to be better the next time around. Failing is just another step towards improvement, and without those experiences, growth wouldn’t be possible.

[@AnaLeiman]

Amazing way to look at things! You will keep succeeding if you think like that ! 🎉

[@rap3208]

Learning valuable lessons without first making them is a lot better. Ex., You don't have to do drugs to learn they are bad for you.

[@marie-mysakiaissi2711]

Learning from other mistakes is also a good thing that can make your life easier. And there’s nothing wrong with that

[@RoshanDevv]

I'm in love with nischa 😭the way she explains everything is genius . 🎉😊

[@myerwerl]

i dont want to make mistakes, ever

[@jjshobbypower9091]

Not wasted.. just experienced in a different way.. 😉

[@markbrunner7793]

NO! Wasted is accurate

[@the1337fleet]

@@markbrunner7793 waste is in the eyes of the beholder and what you get out of the experience

[@Manhertzz]

Cope

[@santoshofficial2607]

Baat to shi hai

[@Ayush-c3s]

😂

[@blank1177]

I like this video you made. I'm 21 and feel a bit lost in life in general and what it is I want to do. I'm glad you mentioned about "not caring what people think about you" because when you think about it most of those people aren't even trying to achieve anything greater than themselves. Also I believe that a lot of the things you talk about link back to this too. I wish you and anyone else reading this all the best and hope to one day look back from a better position with joy and pride. thank you

[@LoyalCopy]

If you struggle with caring what ppl think started posting yourself on KZbin. It helped me crush that feeling in a few weeks

[@gopicr7]

waste 10 more years and ask the same question I will answer

[@benita_chirah]

Stop trying to please everyone. Stop feeling sorry for yourself. These are what stood out for me. Thank you so much, ma'am, for sharing. You are beautiful by the way!🥰

[@empressgeorgena311]

Being 23, I’m so grateful for this guidance Nischa! Thank you very much - I’m wishing you a safe and successful rest of your week. 💕💫

[@youboy411]

im also 23 everything here is golden

[@carlatyson-w2m]

I feel like so many girls don't know the secrets they deserve to know. I found this book,' The Irresistible Seduction Formula' by Olivia Simmons and it’s literally life changer. Has anyone else heard of it?

[@shrawniswaroopmusic]

Noo what is it about?

[@LilyWilliams-u1x]

tnx

[@lamiaatajani6982]

am so confused , what does this has to do with how to attract men and seduce them ?

[@LilyWilliams-u1x]

@@lamiaatajani6982 Believe me girl, that book really lifts you up and opens your eyes to some things!

[@vijayshah4880]

Mistakes of 20’s eased my 40’s & will relax my 60’s …

[@991king]

Tip 3 is extremely useful. I always thought about how other people look at me so I felt discouraged or under-confident! After years later, I found out that letting people around you know what you are doing is not a bad thing as they could give you advise that maybe helpful and no one would laugh/ care on it.

[@LoyalCopy]

That’s what happened to me when I started posting on KZbin. Some of my friends had bad things to say.. but I don’t care lol

[@roxana.dreamteller]

Caring about what people think is the one that most resonate to me. I’m almost 40 and spent 35 years of my life being a people/family pleaser.

[@HiTherePlanet]

The moment she said six figures I realized we are not the same.

[@LoyalCopy]

bahaha right, we’re starting small over here!

[@melodyayokunnu6155]

⁠to think she said it right at the beginning of the video. I am in my 20s and I cannot relate 😢

[@melisssa6787]

not to metion her looks is enough to carry her life by itself. videos like this for top 10 % people not for the rest. Giving advices... lmao

[@lucielalulu]

Okayyy not watching this then can’t relate girl 😭

[@underfilho]

exactly what I said hahaha

[@finance-fix]

Love this vid Nischa - a lot of vulnerability shown. This just goes to show how our mental models on money shape us. When you have a much smaller salary, you think everything can be fixed by a larger one. You can't even imagine how someone on say, triple your salary, could have problems or see a wasted decade in retrospect. But regardless of income levels, the way you perceive money (any amount of money) and the way you use it, the way you think about your own capabilities to do more, make more, serve more is where the real 'work' is

[@ijeomaOmehiza2024]

Thanks, dear, well explained. "starting late is better than not doing it at all."

[@MacwinsTV]

Not wasted , Life is learning lesson. You make mistake , You realise & you grow. I am still growing 34 Here , Still lot of things to learn and adding to my daily life.

[@CHRISTIAN-MYERS]

I appreciate your commitment to guiding others toward financial success. We all strive for security and a better quality of life, and this can be achieved through smart investments, mindful spending, and effective budgeting. I'm thankful I discovered the value of hard work and financial independence early on in my journey.

[@ThePatrioticAmerican4L]

Even though I engage in investing, I feel disheartened by my lack of expertise in assessing the performance of individual companies and determining the optimal timing for stock purchases. The erosion of my financial reserves due to inflation adds to my concerns. At this point, I require precise market trajectory information, but I find myself unsure about the appropriate course of action.

[@ANDYPADOVA]

Agreed, the role of advisors an only be overlooked but not denied. I was shocked that I made more money with investing than hard work, not even my CEO income. Earning ''return on investment'' fetched me millions within a space of 5 yrs.(But I still enjoy working)

[@JosephMartin7226]

Could you possibly recommend a CFA you've consulted with?

[@ANDYPADOVA]

Credits goes to “Sharon Ann Meny” one of the finest portfolio managers in the field. She's widely recognised; you should take a look at her work.

[@JosephMartin7226]

thanks for the lead, curiously searched Sharon by her full name, easily spotted her consulting page and was able to schedule a call session, she seems highly professional from her resumé

[@aryan.12.krishna]

Amazing content in this video! I rarely suggest anything in comments, but the book women’s magic truths on borlest is a game-changer. It provides deep knowledge on wealth and self-care that can really make a difference. Take care, everyone

[@Rameez-ki6vq]

Hii I can't find this book on Internet. Can you send me?

[@wDec149]

agree with the not caring about what others think of you. one of THE hardest things to do imo but also one of the most transformative

[@laura.costanzo.galindo]

'It’s okay if it takes you a little longer to get to where you want to be, if slowing down let’s you enjoy the ride more then it is worth it', thank you very much, I think I needed to hear this.

[@crowsinthecity]

I recently got to my 26th year and felt like I was doomed for the next 4 years to try get some things in order before 30 (not that it's bad to have ambition but I was operating out of fear in this case) And when you said it's okay to fail/make mistakes in your 30s I felt a light bulb spark in my head. Or maybe it's okay as long as I try my very best, no matter the decade

[@DeclanHiggins-YoutubeChannel]

Thanks for a great video Nisha. This reminds me of a quote I once heard, you will never be criticized by people doing more than you only those doing less. It is so true the older you get you realize you only have one life. Your dreams are there for a reason, do not let yourself or others hold you back from at least trying your best.

[@Julia-nj6sc]

Thank you, Nischa. I’m 25, being risk averse, sensitive person I recently left my job to slow down and create the life I’ve always wanted but was so afraid to take risk and step outside of the comfort that I knew. In moments when I recall what others have said and start to doubt myself, this video really helps reassure me that it’s okay to take that risk, the risk of not changing anything at that moment was far greater. Thank you so much for making this video.

[@astheticavi]

Beautiful words from the most beautiful person in the world

[@InstavidDocs]

I’m grateful for the mistakes I made in my 20s. They taught me lessons, helped me grow, and showed me how to improve. Failure is just a step toward growth.

[@AnastasiaVoskresenska]

It`s so interesting to know that all people around the world experience the same situations..Thank u for this video!

[@MadhanTc4u]

Hlo

[@aakashbhayani2874]

I’m 34 and still learning and experiencing new things, life works differently for everyone.

[@dani010203stor]

a huge part of why i feel i wasted my 20's (the first half of them really. and also all the years previous to that) is because i surrounded myself with bad people. People who just weren't descent or good, or maybe some of them were but they weren't MY people. It wasn't entirely my fault, i couldn't find them anywhere. It took me a lot of time to finally meet them and let them help me buid my personality and confidence. They helped me to get more experiences and get out of my comfort zone. To understand what i wanted, what i like, what i don't like... they also helped me to heal. Your surroundings are SO important

[@samu-chan]

yap yap yap

[@Lalalandeza]

I want to find that, I can't pass through the same things I passed last year, I just can't be with them again, being excluded, left out... I want to find my people too😢 And never see or miss them in my life, I want to be with people who deserves my best version, I won't survive another year wasted, and the worst is that not seems to be really changing😭😭

[@zuesh]

"I was making 6 figures" ok.. I close the video.

[@underfilho]

exactly

[@JacobYussman]

You've missed the point of the video. Her advice is about mindset regardless of how much money you are making

[@zuesh]

@ you missed the point of my joke :) I actually saw the video

[@danishirfan9317]

It's okay. We all make mistakes. Just learn from them and move forward to succeed.

[@danhvo8925]

I'm 30 and I'll be 31 next year. I have so many regrets about what I didn't do or what I did wrong when I was 20. But that's my journey, my story, I think we all have regrets somehow. Don't think too much. Just do it. It's never too late. We can't do the same thinking as when we were 20. But we can do it with what we went through at 30, 40, 50 and make it better. We don't lose if we don't give up.

[@SomphetMashek]

Relatable! It’s easy to feel like we’ve wasted time, but the important thing is learning from those mistakes. It’s all part of the growth process. Thanks!!

[@daraghmorrissey]

Great video, all of these lessons apply to your 30s, 40s, and 50s. Making changes off the default path are not as risky as you think

[@eddiehenfield7275]

I started watching videos like yours been helping me a lot with my finances. I really appreciate learning to be better with mid 40s like I said I really never too late to reinvent yourself and I learned that the older we get the smarter we gotta be with money the sooner we get it the better keep spreading the knowledge appreciate it. I’m gonna share it to my friends and family

[@notkendallroy]

8:03 is just literally this quote by Sir Micheal Caine as Alfred in Batman Begins "Why do we fall sir so that we can learn to pick ourselves up", it's such a so simple yet important message because we need to need to fail so that we can learn to make it better in future. I'm 21 years old and started a CS degree last year and today I quit. It's not my profession, I want to be creative and 1's, 0's or semicolons aren't my tools to be or maybe not at this moment.

[@EmilyW-x9z]

Thank you Nischa. I'm also a 24 year old deaf woman and I need to hear this and I'm glad that I saved and quit my 9 to 5 job and got my own business. I was born and raised around wealthy family members.

[@sushaantsekhar2031]

Thank you Nischa! That's the least I could thank you You still have a lot of years to enjoy ^^

[@davidearl1722]

Could you do a video on say if you've not been financially successful or wasted your 20s and 30s, but now in your 40s and want to start investing / get out or debt / secure your future? I've never been good with money and I'm now at the age where it's scary to think what my future will be if I don't sort this out now, I literally have no idea where to start 🙃

[@FadeToBlackLLC]

At 45 I started to get a handle on my finances. I think as long as you start that’s the important thing. Someone said “people make money and they are still broke” and that stuck with me. I’d definitely start by paying off all high interest debt. I listen to some financial podcasts and try to give my money some meaning before I spend it.

[@shivampol9577]

Well, they say "It's never too late to start a new thing again"!! Believe in yourself is crucial to succeeding. I am 23 right now. Since you are in your 40s, according to you what piece of advice would you like to give me that you regret not following yourself?

[@klamentyne5991]

Nothing is wasted. We are people and we just live. Some good and some bad. Wisdom comes with experience.

[@theenthusiastgirl]

Your content is always so inspiring and to the point. As a girl in my 20s , I reassure you this is so helpful, especially when hearing it from someone else, other than my mom. Thanks, have a happy and blessed new year!

[@fernandoagra2092]

Thank you for sharing the valuable lessons you've learned from past mistakes. This is incredibly helpful.

[@jonasvyy]

Great video. I'm 34 and I can relate so much. Love the honest and detailed explanation.

[@bhaveshpatel1108]

I loved this video, the reason is- I was know about all the above 5 mistakes and to be frank is in the process of avoiding this mistake. But somewhere I was doubting myself, if I am doing something wrong by thinking this way. I got clarity that, a person in 20s might feel dicey about doing avoiding his mistake but in long run when a person crosses his 20s will appreciate himself that he just successfull avoided the mistake to be an extra-ordinary person. thank for making this - to the point video

[@ramonbrown5193]

Love this video so much! Thanks for your vulnerability Nischa!

[@pricekk]

I am 32 too Pursuing masters Past cannot be changed, But this time more effort will be put in everything. Minfullness ,meditation is asset now too.

[@shreyapatel4893]

Me too.

[@pricekk]

@shreyapatel4893 great. No quitting

[@shreyapatel4893]

@ yes absolutely i m strong & full of positivity & self-love ♥️ thank you @pricekk 😊

[@rodolfo...]

It's still very good 20's you've had at 300k a year, not many people are able to get the sports car of their dream in their 20's !

[@Rosettadenise]

I'm turning 30 next month and I feel this! I feel like I haven't lived at all.

[@MadhanTc4u]

Hii

[@allanrodrigues5963]

Best thing I watched today. Thank you Nischa.

[@AdamTyrrell-k8z]

everyone in their 20s should watch this. I love videos like this. It's 10 years worth of life lessons in 8 minutes! From someone who is 24, feeling a little lost and overwhelmed, content like this really helps.

[@HeadMistressDen]

Thank you for demonstrating the practical and emotional side of finances. Beautifully done.

[@neugabi]

Working from a very stressful work makes you spend more money than necessary! You made a decision not to follow that and that's great

[@gregk2603]

Nishca. Thank you! Your videos are truly inspirational. I have taken action to move forward with my life, and your advice is making it easy for me to do so.

[@NiladriSaha]

I really resonated with this video! Thank you Nischa

[@sharyuonpoint]

Your relationship with money doesn't just affect your life but also affects the lives of others around you or the ones dependent on you tremendously. I know that making mistakes I part of journey, but you are not just accountable to yourself but also others who have no option but to be dependent on you. You are also responsible to them and owe them something that money can't fix.

[@vnsggl]

I just turned 22. Thank you so much for this video, it was very inspirational!

[@sarfaraz9292]

It's okay to fail.... Very nice quote.

[@raychelle3818]

I’m turning 21 this year I’m glad I watched this video

[@MadhanTc4u]

Hi

[@hamishhogg9198]

Any content on what to do in late 30's would be appreciated. I have a family and am 37, and it has taken this time to find out I was on the wrong path and doing more to realign my work life. Content on what to do if you are considered 'late to the game' would be appreciated. Thank you

[@JD19899]

making six figures and talking about hittin rock bottom lol stop.

[@martianwalker31]

True

[@dani010203stor]

what is "six figures"?

[@fteague5031]

😂 as soon as i heard 6 figures went straight to the comment section. Hard to take life advice of a millionaire

[@yuetmei_0826]

Yup bad take

[@kenyantalks]

You do know she can mean per year not a month.. Means she finnished school n worked in banking.. n yes alot of people with jobs also make mistakes

[@opietwoep1247]

Number 3 is the biggest one. For me my 30s were the best years of my life. Never want to go back to being a teenager and the 20s were a mess.

[@israelbinta]

I like the Quote you mentioned in this video. Keep us inspired with your positiv outlook

[@therealist2000]

Only thing I didn’t do in my twenties was to go out and socialise and have fun at bars and clubs and do crazy things young people do. I do miss that fact but I’m 30 now and have to move on. Mentally and Financially though, I feel as though I’m in a better place to make better decisions with my life and my finances.

[@pascaltawiahcleland2289]

one of the top content creators out here on youtube providing real value. 💯

[@kavisharma_]

3:44 love the joy animation

[@doc6]

im in the same boat of changing because that what i wanted turned out not to be my thing. I encourage everyone to chase their dreams regardless of age, if you are not happy - change

[@NirthUK]

Not wasted... learned, cannot learn without making mistakes, something our school system is terrible at teaching.

[@POLYGLOT_LS]

I’m going to change my career at 36😮 from engineer to French teacher 🙌🏼🇫🇷 Learning languages is my passion 🫶🏼

[@mandolaa]

Do it, I wish you the best 🙏👏

[@elenak707]

That's so interesting! How many do you speak?

[@POLYGLOT_LS]

@@mandolaa Merci ☺️

[@POLYGLOT_LS]

@@elenak707 I speak 4 languages 😃

[@guppyd69]

Hey i want to learn french whr we can connect ​@@POLYGLOT_LS

[@LBMK99]

Everything I needed to keep moving forward this year! Happy New year to you, and thanks for helping others out there like me, Nischa!

[@Kv9UyjRJ]

An incredible journey and spectacular results. And inspiration to the rest of us. 🙏

[@prasunmondal6155]

that exactly 20s look like what u experienced and am a 22 yrs old been experiencing these all things , so that to see this so that i didnt do these mistakes , really a great content

[@mirage2288]

Can you make a video towards your outfits and where you buy them. I love your style 😊

[@Ellie.chaos007]

Aww.. that would be so cool 🎉

[@13ankur]

Love you Nischa💓

[@abigailgetu755]

I would have believed if u said u were 20years gurl u look good

[@jasminerose6658]

I love your videos Nischa, thank you for your work and never giving up even when people laughed at you!

[@denverveitmacht1890]

We all gonna make it one day

[@miroslavaraleva1960]

Thank you so much for this video! I really loved it and needed to hear it.

[@em4828]

This was actually quite inspiring. Thank you for those tipps, Nischa :)

[@sophiaandersonx]

Thank you! Needed to hear this today.

[@leliholzi7304]

I’m watching this video after I quit my job today and I really need this video right now.

[@lilithorvenus]

2:53 omg literallyyy!!! i feel heard, like I'm 23 I just want to live and enjoy life on one hand cause I am YOUNG now, but on the other I have to figure my career and work life out and this is so stressing 😭 especially when you have high goals and nothing is clear so you're just wasting life instead, oof, so stressing

[@ravicholachagudda5912]

I appreciate for making this video

[@plxton]

20-25 yardstick - wasting it on things I don't really need 25+ - I don't buy anything now unless I need it it. I use a good chunk to go away (city trips etc rather than sit down holidays) but I know that when I'm older I'll say I'm really glad I did!

[@Myyoutube99-h9w]

I would love to spend the week with you! Please do a “financial bootcamp” would be great

[@HarshitaTripathi_9]

the best video at the very right time thank you so much >>

[@rupkarmakar7002]

let the change begin

[@Victoria-pt3vp]

I took my notebook with me and wrote very carefully whatever she's saying. Will definetly try the 30-day Premium.

[@MadhanTc4u]

Hii

[@anniestacie]

Thank you Nischa, your videos are always insightful and helpful.

[@Samhertzog]

To quote Rush "The point of a journey is not to arrive"

[@untouchable360x]

We have to choose one of two pains in life. The pain of discipline or the pain of regret. Discipline weighs ounces while regret weighs tons.

[@LoyalCopy]

Awesome quote bro, might have to use that in one of my videos lol

[@ReemMohammedIbrahim]

Thanks alot for making this video ❤. I noted down all your remarks to ensure I don't forget them

[@gloween9151]

4 days left intil I start wasting my 30s))

[@ImMO-w6h]

😂😂😂

[@Jedzar]

😂😂😂😂

[@enocksparta2634]

😂😂

[@searchand_destroy666]

im so happy to see other 30 something in the comments too haha

[@divinejohn-okpala]

These are so well thought out

[@robferenczi3024]

I stopped working at 28, bought a yacht, and sailed around the world. Everyone around me told me not to do this. My small investments have paid for my lifestyle. I am very rich in TIME and not money.

[@indiasupportsthereturnofth1475]

wow... im 34 and still ask my parents for $20 to use for fast food.

[@AnetSpear]

Thank you so much for it. I definitely needed it today

[@aleynan1270]

Thank you Nischa! New subscriber here, I really needed that today🧡

[@MarioKstgr]

2:55 was that your phone? 😂😂

[@AmanDeep-lg9tq]

What's funny in that

[@LiteraQuotes]

Thanks for the Turkish translation option. I am not advenced unfortunately. And I can easiliy complately understand. I am trying to improve. And of course I want to thank you for unique knowledge that you share with us. 🙏

[@anchisakungtrakul462]

Thanks!

[@charvdgaag]

i've done the opposite of this, travelled, became a freelancer, im a photographer now, and i also feel like im stuck/nowhere etc because i havent 'built' anything (can only rent due to income and being a freelancer, not as much travel as income is unstable) so i guess maybe being 30 is just a big reflection point of 'what have i been doing' this last decade lol, regardless of which path we've chosen (i mean looking back im like, should have built my own business for financial freedom, but that also comes with the cost of spending your young years working 24/7, giving financial freedom, but these people also then end up with so much time they dont know what to do with it) .... I guess my point is everything comes with a cost/down side and makes us question what we're doing. The questioning is a part of the thing of life, and my conclusion is to embrace the questions!! (even though im feeling stuck AF myself aswell now haha! )

[@erickmorfin1420]

I just found your channel and I think that it's great information.

[@ianbeck5897]

What I learned in my 20's and 30's (both good and bad) was consolidated in my 40's and it was then that the boredom started to set in. In our early fifties, with relative financial stability, my wife and I took a leap of faith and started our own business. It was then, and probably only then, that we realised the true value of money and that it wasn't as much about the rewards we could give ourselves, but the financial freedom that we could generate for ourselves. In our late fifties we wound down the business and have used the wealth that we squirreled away to fund an early retirement and our own escape to the country - up sizing to our own country house with a decent amount of space and land. It's tough in your twenties to put the money away, especially when your peers are not. Somehow, seeing what they have is no substitute for a set of numbers on your bank balance - and balance, IMHO is what it is all about - some for a rainy day and some for current reward, just keep the balance .... and always, always, learn from everything that you do.