Ten Things I’d Tell My Younger Self About Money

Even small amounts grow massively over decades thanks to compound interest. Time is your greatest asset.

Just because you make more doesn’t mean you need to spend more. Keep your expenses steady as income rises.

Having three to six months of expenses saved gives you freedom and peace of mind.

If it sounds exciting, it’s probably risky. Slow and steady wins long-term.

Use them for rewards and convenience, but pay the balance in full every month.

Knowing how taxes work helps you make smarter decisions on income, deductions, and timing.

Spend on things that give you time back — like convenience, help, or education — not just stuff.

Salary, rent, car prices, even bills — negotiation is one of the most profitable life skills.

For a few months, record everything. You’ll be shocked where money goes — and how easy it is to fix.

Give thoughtfully. Money that circulates with purpose multiplies in unexpected ways.