13/05/2026
Being broke is exhausting
Being broke in your 20s is exhaustingâ because youâre trying to survive, build a future, enjoy life, heal, grow, look presentable, maintain friendships and still figure life out â all at the same time.
But your 20s should not only be about struggling endlessly. It should be the decade where you build financial habits that protect your future self.
What should people in their 20s do instead?
Stop trying to look rich and focus on becoming financially stable.
Learn to live below your means without feeling ashamed.
Build discipline before luxury.
Create a budget, even if your income is small.
Save consistently, not perfectly.
Avoid unnecessary debt and impulse spending.
Invest in skills that can increase your income.
Start learning about investing early, even with small amounts.
Protect your peace from social media comparison.
Most importantly, understand that wealth is usually built quietly.
Your 20s are not a race to impress people.
They are your foundation years.
The small financial decisions you make now â saving, budgeting, learning, investing and controlling lifestyle inflation â can completely change your 30s.
You do not need to have everything figured out immediately.
But you do need to become intentional with money.
Because financial intelligence is not about earning the most.
It is about keeping, growing and managing what you earn wisely.
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