Graham Stephan Channel
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Here are the 5 financial milestones that everyone should aim to achieve in their 20’s – Enjoy! Add me on Instagram: GPStephan
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First, and the most reasonable goal that I think everyone should aim to hit in your 20s…is to get your credit score above 750:
For anyone who’s not aware…your credit score is just a calculation that shows how responsible you are in paying back money that you owe. That might include credit cards, auto loans, student loans, a mortgage payment…or, anything else where you aren’t paying for something with your own money, upfront. And this term known as a “Credit Score” is basically a grade that lenders use when determining how much of a loan you’ll get, and what interest rate you’ll pay.
Second, speaking of paying off debt…it would make me happy if, by the time you’re 30…you’ve gotten yourself, what I like to call…”BAD-DEBT FREE.” It’s like saying “Debt Free”…except it’s BAD DEBT FREE.
So, really – from the way I see it – it’s not necessary to want to call yourself entirely DEBT FREE by the age of 30….because, some types of debt can actually be really useful in terms of making more money and being financially responsible.
Third, by the age of 30, you should have at LEAST 1.5 years of your expenses invested.
That means, if you’re spending $3000 per month on rent, utilities, car payment, food, and smashing the like button…you should have, at MINIMUM, $54,000 invested in the markets. Or, if your spending $2000 a month…that equals $36,000 invested.
Fourth, I highly recommend that – by the age of 30 – you create a SECOND source of income in addition to your main job.
This is something I’m surprised isn’t mentioned more…because, as you get older and advance further in your career…it’s so important to use that as LEVERAGE to make even more money, and diversify your income into other areas. After all, when surveyed, it was found that nearly 2 out of 3 millionaires had at least ONE extra source of income – with the most common being real estate investing:
Fifth, by the age of 30…I’d recommend that you aim to save at LEAST 25% of your income each year, and invest that amount towards your retirement.
For most people to save and invest 25% of their income, it takes skill. You need to be dedicated to tracking your expenses, you need to be disciplined when it comes to your spending, you need to live below your means, and you need to place an importance on the future…and investing 25% of your income just comes as a byproduct of doing all of those things, consistently. Not only that, but it also motivates you to increase your income, just so that you’re able to maximize the value of your own time – and then pocket the difference.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at [email protected]
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