If You Could Go Back In Time, What Would You Do Differently In Your Early 20s?

[SheWantTheD]

As the title says..

 

[Hoodoo Child]

Well I'm 21 soooo,I guess I'd...

 

[Deflatedhoopdreams]

Changed my major to Electrical Engineering and cheated more in college.


I became a Electrician(no degree) but should be an Electical Engineer.

 

[BaldingSoHard]

Start my Roth IRA in my 20's instead of 30's. That would've been huge. If you're in your 20's and reading this and you don't have a Roth IRA, start one. Just do it. Trust me just do it.
I would've probably done a masters degree in finance.
Would've broken up with that girl before wasting xx years of her life.
Aside from the new decisions opened up by the above actions, I'd do everything else the same.

 

[Big Simpin Losing Cheese]

Took math seriously in school

 

[HabitualChiller]

Start my Roth IRA in my 20's instead of 30's. That would've been huge. If you're in your 20's and reading this and you don't have a Roth IRA, start one. Just do it. Trust me just do it.
I would've probably done a masters degree in finance.
Would've broken up with that girl before wasting xx years of her life.
Aside from the new decisions opened up by the above actions, I'd do everything else the same.

Isn't traditional better since its pre-taxed?

 

[TNOT]

Take more chances.

I played it too safe. Grew up poor, once I got a lil money i held onto to it instead of making some moves.

It's true scared money don't make none.

 

[DirtyMoney]

Save 80% from each job
Not buy an apartment at 23 before the GFC
Marry my then GF
Invest more time in self development

 

[Rell Lauren]

• Invested it Bitcoin when I heard of it on the Dark Web
• Made a move on this graduate intern I worked with at the UN. Beautiful redhead that I had really good chemistry with. Arguably one of my bigger regrets as an adult.
• Improved my physical appearance by working out.

 

[At30wecashout]

Gotten multiple jobs and gotten out of college debt ASAP. I have no regrets about my pitiful ass, do-nothing existence, but I recognize right away that killing that debt would have allowed for some amazing saving. I could literally be sitting on 100K based on my spending, and it would have been with crappy jobs. Debt really is the enemy.

 

[AtomicUse]

Isn't traditional better since its pre-taxed?

Expect tax rates to go down in the future brehs.
Pay more taxes on your earnings when it's time to withdraw them brehs.

I wouldn't have done anything differently in my 20's, I actually did everything right. My 30's have been great so far as well, and I'm on schedule to be retired from the workforce by 45.

 

[DrBanneker]

Lived abroad longer. I did so about a year but I think 2-4 years could have been a richer experience. That being said, getting laid off and going abroad for a time was one of the best decisions of my life.

Started a business. Granted I didn't have the money to do so back then but once I had the money, I had a family, and it is a huge challenge to balance time.

 

[ndthentherewasx]

I would of taken that sponsorship from that security company I was with and become a cop



Free ride to the academy, but I didn't want the responsibility at the time..


look at me now

 

[Turk]

I'm only 23 but I'd change my circle of friends and reevaluate my educational choices

 

[Blankthawtz]

Invest in a few dot coms...... 2 in particular....