12/08/2025
Celebrating another birthday š this past weekend gave me a moment to reflect. If I had the chance to sit down with my 20-year-old self over coffee, hereās what Iād tell her:
1ļøā£ Start investing earlier than you think you should. Time is a multiplier, not just a number.
2ļøā£ Automate more. Savings, investments, even bill paymentsā¦your future self will thank you.
3ļøā£ Live below your means, but not below your joy. Lifestyle creep is sneaky. Every raise doesnāt need to equal more spending. Living below your means builds freedom.
4ļøā£ Donāt fear financial conversations. Ask the ādumbā questions. There are none.
5ļøā£ Focus on skills, not titles. Skills compound, too.
6ļøā£ Build relationships intentionally. Your network becomes one of your greatest assets in life and business.
7ļøā£ Protect your downside. Insurance, emergency funds, and legal documents arenāt āold people things.ā Theyāre foundation things.
8ļøā£ Take care of your health: physical, emotional, and financial. They are all connected!
As a financial advisor today, these lessons shape the way I guide clients and the way I live my own life.
Hereās to growing wiser, not just older.
Itās never too early, or too late, to set your financial future on the right path.