{"id":17776,"date":"2022-02-28T19:00:00","date_gmt":"2022-02-28T11:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/financial-freedom-20s.html"},"modified":"2022-02-28T19:00:00","modified_gmt":"2022-02-28T11:00:00","slug":"financial-freedom-20s","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/money-tips\/financial-freedom-20s.html","title":{"rendered":"6 Ways To Set Yourself Up For Financial Freedom In Your 20s"},"content":{"rendered":"\n<p>Your 20s is the best time to get started with anything. Especially in terms of finance. Because like anything else in your life, it\u2019s a skill that needs time to hone. One thing for certain is that apart from trust fund babies, no one ever stumbles on wealth. It\u2019s a deliberate and intentional plan that came from the knowledge a person has.&nbsp;<\/p> \n<!--more--><p>Now, to set realistic expectations, you\u2019re probably not going to be financially free in your 20s, but if you mismanage your finances in your 20s, it could spiral you into a rat race in your 30s, 40s, or even 50s. The entire idea is that you have time on your side, so take advantage of this compounding and you\u2019ll thank yourself for this decision when you have a family.&nbsp;<\/p> \n<p>That being said, even if you\u2019re not in your 20s anymore, here are 6 ways to set yourself up for financial freedom:&nbsp;<\/p> \n<h2>1. Understand inflation and valuation<\/h2> \n<p>Because of the COVID-19 situation in Malaysia, there have been a few stimulus packages that were implemented in hopes that it will help society. This is great news for the public but what most people don\u2019t see is what comes after\u2014inflation. Inflation is the silent killer of our buying power. Maybe today you can still buy that Nasi Lemak for RM2, but it may not be the case tomorrow.&nbsp;<\/p> \n<p><strong>Related:<\/strong> <a href=\"https:\/\/www.comparehero.my\/money-tips\/articles\/5-ways-cope-inflation\" target=\"_blank\" rel=\"noopener noreferrer\">Mild Inflation In 2021: But What Is It And How Can You Cope With Inflation?<\/a><\/p> \n<p>However, the value of a certain product has a different meaning. For example, although the property market might be inflated, the value of it might be the fact that you have a safe place to stay.&nbsp;<\/p> \n<p>This can be a tough lesson to many but it can be the foundation for all the financial decisions in your life. So ask yourself this:&nbsp;<\/p> \n<ul> \n <li aria-level=\"1\">Will this item make me any better?&nbsp;<\/li> \n <li aria-level=\"1\">Does the value I get from purchasing it exceed the price I am paying for it?&nbsp;<\/li> \n<\/ul> \n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/financial-freedom-in-20s-1.jpg?resize=640%2C335&#038;ssl=1\" alt=\"financial-freedom-in-20s-1\" width=\"640\" height=\"335\"><br> <em>Inflation<\/em><\/p> \n<h2>2. Build passive income<\/h2> \n<p>The world is quickly changing as more and more people realise that one single event may cause them to lose their job. For this same reason, it is important to have a passive income source that generates revenue when you sleep. Another benefit of having a passive income stream is alleviating some of the stress knowing that you\u2019ll be alright if you got laid off out of the blue.&nbsp;<\/p> \n<p>Generating passive income may start slow, but give it a few years and it can grant you the freedom you\u2019ve always wanted. After all, your time on this planet is limited, do you really want to spend most of your time in your office?&nbsp;<\/p> \n<h2>3. Avoid bad debt<\/h2> \n<p>Whether it is credit card debts or student loan, make smart decisions when it comes to borrowing money. You don\u2019t have to attend university if the course is not going to help you become a better person or yield more income after you graduate.&nbsp;<\/p> \n<p>Getting into bad debts early in your career locks you into the cycle of debt that may seem impossible to get out of. Not just that, it will also limit you tremendously when you finally decide that you want to buy that house.&nbsp;<\/p> \n<p><strong>Related:<\/strong> <a href=\"https:\/\/www.comparehero.my\/debt-management\/articles\/good-debt-vs-bad-debt\" target=\"_blank\" rel=\"noopener noreferrer\">Know The Difference Between Good Debt and Bad Debt<\/a><\/p> \n<h2>4. Start investing<\/h2> \n<p>Investing at a young age is the biggest advantage anyone can have in the markets. That\u2019s all thanks to the concept of compound interests. The longer you can have your money invested, the higher the exponential growth can be.&nbsp;<\/p> \n<p>Even if you really have nothing to invest, the least you could do is to educate yourself about investing and how money flows in society. Learn about savings accounts, stocks, bonds, mutual funds, index funds and real estate. Learn about how a tiny commitment each month can easily add up to over a million dollars when you finally retire.&nbsp;<\/p> \n<p><strong>Related:&nbsp;<\/strong><a href=\"https:\/\/www.comparehero.my\/investment\/articles\/investment-tips-for-gen-z\" target=\"_blank\" rel=\"noopener noreferrer\">7 Dummy-Proof Ways You Can Start Investing Your Money<\/a><\/p> \n<h2>5. Avoid unnecessary spending<\/h2> \n<p>It\u2019s tempting to just go on to Zalora and start browning through each section just to see what they got and end up with a message on your phone saying the parcel will arrive in 5 days. That\u2019s fine, but don\u2019t spend just to keep up with your peers. But at the same time, you don\u2019t have to deprive yourself to do so, either. A crucial part of budgeting is knowing the difference between what you need and what you want.&nbsp;<\/p> \n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/financial-freedom-in-20s-2.jpg?resize=640%2C335&#038;ssl=1\" alt=\"financial-freedom-in-20s-2\" width=\"640\" height=\"335\"><br> <em>Shopping online<\/em><\/p> \n<p>Establish a habit of saving and following your financial calendar in your 20s. Look for ways to reduce large recurring expenses and invest the balance. Embracing a frugal life will allow you to spend more on the things that mean the most to you later on. And this perspective on life will serve you well beyond your 20s.&nbsp;<\/p> \n<p><strong>Related:<\/strong> <a href=\"https:\/\/www.comparehero.my\/banking-finance\/articles\/credit-score-in-20s\" target=\"_blank\" rel=\"noopener noreferrer\">I\u2019m Only 21 Years Old. Do I Need A Credit Score?<\/a>&nbsp;<\/p> \n<h2>6. Be patient<\/h2> \n<p>It can be deterring to see some of your peers excelling at their profession while you still struggle to find yourself. But try your best to focus on yourself. Dig deep inside and figure out who you are as a person. Then, don\u2019t stop at anything until you\u2019re the master of that one thing.&nbsp;<\/p> \n<p>Many people have forgotten that investing is not the only way to make money. An even better way is to be so good at something that corporations will pay you huge amounts just to have your service.&nbsp;<\/p> \n<p>Wealth is accumulated over time and you shouldn\u2019t sacrifice your health for it even if you\u2019re 22. Just focus on putting one step ahead of another in your career and a chunk of your income into your investment portfolio. The rest will work itself out over the coming years.&nbsp;<br> <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your 20s is the best time to get started with anything. Especially in terms of finance. Because like anything else in your life, it\u2019s a skill that needs time to hone. One thing for certain is that apart from trust fund babies, no one ever stumbles on wealth. It\u2019s a deliberate and intentional plan that&#8230;<\/p>\n","protected":false},"author":173139450,"featured_media":1594,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[425],"tags":[],"class_list":["post-17776","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-tips"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>6 Ways To Set Yourself Up For Financial Freedom In Your 20s - CompareHero<\/title>\n<meta name=\"description\" content=\"The earlier you can start planning your finances, the better off you will be. 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To help\u2026","rel":"","context":"In &quot;Money Tips&quot;","block_context":{"text":"Money Tips","link":"https:\/\/www.comparehero.my\/blog\/money-tips"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/04\/image-7.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/04\/image-7.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/04\/image-7.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/04\/image-7.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":9038,"url":"https:\/\/www.comparehero.my\/blog\/money-tips\/keep-finances-secret-2.html","url_meta":{"origin":17776,"position":1},"title":"Why Keeping Your Finances A Secret Is Bad For Your Relationship","author":"CompareHero","date":"17 October 2016","format":false,"excerpt":"Money talk is often seen as taboo in most relationships. 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