this post was submitted on 19 Jun 2025
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The best advice I heard in my 20s don't spend your raise. If you can live of X and now you make Y, still live of X and put everything you don't spend in a few ETFs. Don't try to be smart en beat the market, don't buy stocks, etc.
Just 3 or 4 ETFs that cover the world. Or if you want to be smart read up on the permanent portfolio or all weather portfolio.
You don't need a more expensive car if your current car still works, you don't need a new phone every 2 years, etc. Buy what can't be fixed, don't pay for upgrades that are not really going to improve your life.
Also buy things that don't expire (toiletpaper, dishwasher soap, etc) in bulk when the offer it really good.
You don't have to live as a bum but you can still make sure you don't overspend.
Best advice I've encountered in a while.