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I turn 25 soon. What’s your life advice for those later in their career, life, etc.

likefunny
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Work: Your career is a journey, so make careers moves to/towards a job you love. It might take a couple of tries to figure out what brings you joy and what you cannot stand, but life it too short to stay in a job you don’t like. Quit the jobs you hate sooner, and remember to always prioritize yourself since companies can drop the most loyal employees in a heartbeat. Also, nothing work-wise is life or death (unless you are a doctor).

Personal life: Put yourself our there and date. The worst thing that can happen is that you are just as single as you started. Also, have a serious relationship in your 20s. S/he doesn’t have to be “the one”, but you need to learn how to be in a relationship and it helps you figure out what you are actually looking for. The guy I dated from 24-27 was definitely not the one, but he and the tons of other guys I casually dated from 27-29 helped me figure out what I wanted, and I luckily found my person at 30. And your personal life is more important that work.

Financial: Live within your means and save. Always max out your 401k, and max out a Roth IRA until you make too much money. Make sure you have a savings account / investments as a safety net. It allows you to quit a job you hate, navigate a layoff, replace/fix your car when needed, etc. and it also allows you to enjoy your vacations, navigate a heavy wedding season, etc. Spend money on things that bring you joy (assuming it is within your budget).

likesmart

There is a lot of good advice in the comments....and some, not as good.
I'm 63, worked for my first bank as a bank teller (Summer job) in 1977. Seems like yesterday, and seems like a lifetime ago.
1. Collect information, but make your own decisions.
2. Be adaptable.
3. DO save/invest money early-I'm SO glad I did.
4. DO spend money on adventures and activities.
5. Work toward balance. Three and Four are in a tug of war - no one said this would be easy.
6. Have lots of (safe) sex. Few people mention it, but very few people would turn it down, if offered. It feels great, you learn a lot, you teach a lot, it doesn't cost money (if you make smart decisions!), you learn how to make smarter decisions as you go through life. Rinse. Repeat.
7. Maintain your integrity - don't make decisions that cost you a piece of your soul. I can look myself directly in the eye in the mirror and be proud of the person I am, the contributions I've made, and my not being a burden on society or other individuals....except my wife.
8. Share your life with someone who is similar to you enough in their core beliefs, that when push comes to shove, you both trust each other, but different enough that you both are always learning something new.
9. Ride your bike, or run, or workout-whatever physical activity you either enjoy or can stomach at least for short periods of time. Make sure you have some "me time" that isn't while you're driving a car, commuting, sitting in front of a screen, etc. Call it mindfulness, meditation, whatever, just make sure you spend SOME time not working on your to-do list.
10. Don't lie to yourself. If YOU don't trust you, neither will anyone else.

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I’m 66 and preparing to retire. Here’s some free avuncular advice you didn’t ask for that’s worth everything you paid for it;

1. It seems like 40 years is a long time. It isn’t. It’ll go by quicker than you believe. So don’t waste time. Focus equally on spending time doing things that advance you toward your goals and on doing things you love.

2. If those two things are the same, you’re luckier than you know. Hold tight and don’t let go.

3. On a similar note, all the “follow your bliss” advice you hear is good advice. Do it!

4. Whether or not you get married find a companion with whom to share life. It will make your life immeasurably richer.

I could go on.

likeupliftingsmarthelpful

I am now 56 and have been working at my job since age 20. Above advice is short but sweet and I concur.

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Hangovers turn a corner at 25. The glory days are behind you. Rough mornings turn into rough full days.

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Truer words have never been spoken

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Don’t over work and have fun, travel for fun with groups of friends, invest in a home and stop renting

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I'm with Mc4. I'm 28 and live in the European market. Bought an apartment 4 years ago not to live in but to rent out, while I kept renting a cheap ass studio. Everybody said I was crazy.
The thing is when you buy a rental the bank will consider 80% of the rental money as your net income. So whenever you get to a 30% equity threshold in the rental property, the banks will happily lend you money to buy another rental.
A house/appartement to live in, is not seen as asset by the banks unless you have like 80% equity in it so you can use it as collateral, but normally that takes years to build up.
I can buy a rental every 2 to 3 years BUT the crazy price inflation in my local market due to c0vid has put a stop to my investment strategy. Hoping the market will crash soon in the mean time i'll just keep on buying ETFs.
Also staying single or having a partner who understands your long-term vision is obligatory for this to work.

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Don’t get married

likefunny

*Don’t get married to the wrong person. Fixed it for you.

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Live, laugh, love

likefunnysmartupliftinghelpful

Also make sure you get a sign put in your house in case you forget that you need to live, love and laugh

funny

Personally:
1. Get into a steady workout routine. That is harder when you’re older.
2. Make friends and maintain those relationships. That is also much harder when you’re older.
3. Be kind to people. Everyone goes through something plus people remember kindness.

Professionally:
1. Be curious. Ask questions. Learn.
2. Same as 2 above but with your professional relationships. Your network will enable you do to many things - it’s the biggest and wisest investment.
3. Same as 3 above. If you have trust and respect of your colleagues - up, peer or down, you will become more effective than those who don’t.

likeupliftingsmarthelpful

P1 absolutely nailed it. Relationships are harder as you grow older but also fewer, deeper and more meaningful. You don’t have the more casual hang-outs as much, but the more “I got your back no matter what you do” kind of relationships. But if you don’t consistently invest in them, they die because everyone is so damn busy.

Delete Facebook, twitter, and Instagram. Do the things you love, don’t worry about what others think. Don’t let your job define you, it’s just a way to fund the things you love.

likehelpful

Save early, spend time doing what you love and remember why you love it, embrace family, build lasting relationships personally and professionally, always learn something new, and recognize that you’ll be dead some day; so enjoy the ride.

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Just turned 26 and yes I deactivated Instagram lol. Minimized LinkedIn usage. Still lost in life and subconsciously comparing myself to others ain’t helping.

likesmarthelpful

i also do this - figuring out what my intrinsic & extrinsic motivations are!!!

Spend all your time doing things that make you like yourself more

likesmart

Any recs?

1. Maximize retirement savings and investment savings (learn to live on <50% post tax and deductions income)
2. Tend to mind, body, soul
3. Learn to live in the present and cherish your loved ones!

- Guy in his early 30s

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Pursue what your passionate about while you have flexibility and low responsibilities. Don’t stick with a path just for the money.

Once your married with children your ability to change paths becomes dramatically less.

likehelpful

Completely agree! The chase for money can also burn you out and it might take a while to get enough energy to be passionate again so be careful about how long you spend in the rat race

likesmart

Don't drink alot and if you're a woman don't let yourself go. Maintain your weight and your ambition. If you have a kid don't leave the workforce. Don't settle in a partner and Exercise and eat right. Focus and prioritize keeping your brain and body and internal health.

likesmart

Very true. Because it is socially acceptable, we forget drinking is drug taking.

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All of the above +

Also try finding a true hobby outside of work that does not involve drinking. My partner and I are expecting, so it has been rough going cold turkey. I realized that I used social lubricant too much and hung around people who also only drink to socialize, but nothing else. Reality sets in quickly.

likesmart

thisssss - where to find new kinds of friends!? lol

Actually here’s my real advice: love with all your heart. Get it broken. But love fully. And passionately. Nothing else really matters. Better to love and lose, than never to love at all. My be idealistic, but, so many people live such empty lives.

likehelpful

Get married
But be picky

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Don’t choose based on emotion alone

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Work. Will. Wait. Take time for you and your family. Take your PTO. Use your leave benefits. Nothing is so important that work can’t manage without you for a little while.

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One of my goals in life was to never have to worry about money and I can tell you that financial freedom is a fantastic feeling. Here are some of the things I learned:
1) Invest. Max out Roth IRA and contribute to 401k at least to match.
2) Manage your own money. Leverage financial advisors or RIA’s to provide tax advise and recommend the best vehicles for investing but manage your own money.
3) Time value of money is huge and investing early will pay off big.
4) It’s not how much you make but how much you spend. Live below your means and don’t try to match someone else’s lifestyle.
5) Spend money on experiences vs material items. The shiny newness of “things” wears off after a while but memories last a lifetime.

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This is so good!!!!

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After having a heart attack in my early 30s, I learned to not live to work. Consulting isn’t worth sacrificing your life or family for.

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Start investing early. When I was that age, I was like you only live once and rather enjoy now than save for a time you don’t even know you get to experience. But being 35 now, I saw lots of friends buying their own homes and I regretted not having the money despite a decent job. Also it might be easier now with a better salary to live comfortably than with 25, but I am now saving a good amount without sacrificing too much. Some of the stuff I wasted my money on previously didn’t even make me happy.

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What would u spend your money on before?

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