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The 20’s are probably the first time you taste financial independence, or it can be put as one of the first times you are truly responsible for your decisions. The 20’s pass around very quickly, with you trying to understand your own pattern and attitude towards the financial decisions you make.

Most people in this age group think that you are too young to worry about money matters, especially since you have just started earning, and for most parts of it are managing budgets, stretching from pay day to the month end. Lack of confidence while taking financial decisions could push you towards taking some not so wise ones, which could be coined as costly in your financial future.

A paradigm shift, in the way one thinks about financial matters in their 20’s, could prove very beneficial in the long years to come.


The fact of the matter is that people in their 20’s have time on their side. The 20’s therefore, becomes the most critical period of their lives, to maximize and plan for future financial success.

It would not be a very wise decision to let the golden 10 years pass by in over using your credit cards and living in the moment.

Just a few steps, garnering a few good financial habits, will shape the rest of your financial life.

Connecting with a financial planner can help you take better decisions and give you a clear understanding and confidence in money matters and overall financial literacy, which will go a long way.

A financial plan will help you identify and prioritize important money goals, and the path your money takes to reach those objectives, within an appropriate time line.

With the power of compound interest, if you start saving or investing in your 20’s, your money will grow exponentially, however, if you wait for a couple of more years, you will need to invest a lot more to achieve the same target. So moral of the story is – ‘start investing early and let your money grow.’

A few elementary financial habits to adapt in your 20’s –

  1. Distinguish between “Need to Have” and “Nice to Have” products – This will help you curb any impulse buys. Sudden financial independence could make you feel that you can spend without any concern. If you can identify, a need based purchase from an emotion based one, you might be able to control your impulse and not over indulge.
  2. Say NO to credit cards – they have the highest interest rates, so avoid, but if you can’t, pay off those depts. on priority.
  3. Monthly Budgets – make a realistic budget, keeping your financial goals in mind, don’t forget to add the fun quotient, or else to satisfy the emotional side, you might over indulge in things you cannot afford. Create an outline on how you will sail through the month, keeping an eye on the long term financial goal.
  4. Save for a rainy day – Say you want to leave your job or travel or there is an emergency, to have a saving amount aside will cushion the impact.
  5. Develop good financial habits early on – simple, as they are much easier to maintain. Invest in insurance and other products which will make your tomorrow comfortable and secure.

As an end note, find a good financial planner, align your goals with your earnings, garner good financial habits, start early and be wise. Help your money grow with your age. Use your 20’s cleverly to shape your future.

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About Imarticus
Imarticus Learning is India’s leading professional education institute that offers training in Financial Services, Data Analytics & Technology. We’ve successfully transformed careers of over 35,000+ individuals globally through our Certification, Prodegree, and Post Graduate programs offered in association with leading and renowned global organisations in the Financial Services, Data Analytics & Technology domain.
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