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1. negotiate every job offer, even your first one 2. learn the basics of investing before your 25th birthday 3. build an opportunity fund for conferences, trips, classes 4. track every income stream — salary, UGC, TikTok Shop, brand deals 5. send 10% of every brand deal to savings 6. separate your personal and freelance bank accounts 7. invest in skills that increase your earning potential 8. treat your career like your biggest asset 9. build relationships, not just resumes 10. make your money match your ambition #moneyhabits #20somethingadvice #postgradlife #financialwellness #genzfinance