How to Spend Money for Twenty-Somethings

This might be the least searched post title I've ever created because honestly, what twenty something has trouble spending money?  I know I spent plenty of it.  Some of the right way and some the wrong way.  Mostly on pure necessities.  Things like a car, food, concert tickets, breast implants... I digress. Honestly I don't have many regrets when it comes to how I spent my money, but more that I didn't seek more of it.  Nonetheless, as I near closer to 40 than 30, I can't help but feel that I have a good chunk of knowledge to bestow on anyone willing to listen.  So here it goes.  Five things you definitely should spend money on (or save for) in your twenties.  

1. Retirement.  This one I actually STARTED out doing right and am sad to say I haven't continued.  Upon accepting my first out of college job I took pride and putting a solid chunk of each paycheck toward my aggressive 401K thinking I started now so I'm going to be set for life.  Righhhhht.  Enter a mortgage, childcare, wedding expenses, and a family's worth of grocery shopping... thank GOD I did this in my early twenties or I would probably not have a single dime to my name!  Please I am begging you.  It may seem far away but trust me when I tell you your expenses WILL increase.  Do it while you don't have a ton of responsibilities beyond yourself.  You never know what life is going to throw you down the road. 

2. Personal growth. And I'm not really talking resume builders here.  In fact if I had to name my #1 top waste of money in my life, it would be my college education, but that's a topic for another day.  I'm talking about opportunities to look introspectively into your own soul and learning to recognize the God sent goddess that you are.  It's now my firm belief that it's not a lack of education or opportunity that tends to hold people back, but a lack of belief in themselves.  A lack of awareness about their own impact on the world.  Get a book.  Register for a conference.  Go to mass.  One way or another, you MUST invest in your spiritual growth or you will feel lost and confused for the rest of your life no matter how successful you look on paper.  

3. A space you love.  I tend to go back and forth on this because I realize that cleaning and decorating will never get me a paycheck, but I also know all too well the mental chaos that can ensue from disorganization and a space that is not cohesive.  Ok, maybe that's just a personal problem on my part, but I definitely feel a sense of peace and clarity when everything is in it's place and I am surrounded by a feeling of "home".  Be it an extra comfortable mattress or an adorable piece of decor, these touches are not to be overlooked.  Your environment definitely effects your psyche.  Make it easy on yourself.  

4. A quality ANTI AGING skincare regimen.  Yes, even in your youth, you NEED to start treating your skin right.  Just like when we talk about investing your money young, the same goes for your skin.  Now is the BEST time to set your skin up for an amazing future and slow the again process from square one! Luckily I learned this early and although I have certainly tried many different brands, I definitely remember my college roommates all but making fun of my Mary Kay TimeWise as though I was too young to purchase such a product.  But I didn't listen because I knew better.  Today I've discovered something even more revolutionary that is actually helping my cells to turnover faster thus bringing those new, youthful cells to the surface and minimizing wrinkles before (and after) they begin.  It's a necessity for gals at any age... especially you young ones! Commit now and look forward to comparing your selfies today to the ones 20 years from now and saying hmmm... I don't look all that different!  Don't wait until it's too late. 

5. Epic vacations.  When I was 24, my roommates and I spent 3 nights in Vegas and I'm pretty certain it still might be 3 of the best nights of my life.  We dressed to the nines, networked with ease, and were treated like queens at literally every one of the hottest nightclubs on the strip.  We shared tables with celebrities (Dennis Haskins counts right?), walked straight past the lines, and drank like fishes until my body literally went straight into vodka rejection mode.. but I rallied on.  Granted, it wouldn't exactly be the vacation I'd be seeking today, but "epic" is still the word that comes to mind.  No matter how much you keep up, you won't be able to put on a slinky dress and be comped your every desire forever.  Do it while you can.  Create those memories.  You'll keep those forever. 

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  1. Oh Michelle if you do 1-4 as you suggest trust me you can still have those epic nights like you had at 24! ����

  2. This is such a helpful post and a great guide for your twenties!

    Turquoise and Chaos