3 things I wish I knew at 20

@ciara__anne

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SoundTikTok sound · original sound - ciara__anne

Promoted product

eTorohttps://www.etoro.com ↗

Why it worked

The video provides high-value, actionable financial advice that appeals to a broad audience, while the product mention is kept subtle and relevant to the content.

Summary

The creator shares three personal finance tips for people in their 20s, including investing in a stocks and shares ISA, understanding credit card interest, and taking responsibility for personal finance education. She mentions eToro as a platform for getting started with an ISA in the caption.

Structure

1Introduction to the three tips
2Tip 1: Investing in an ISA
3Tip 2: Understanding credit card interest
4Tip 3: Taking responsibility for financial education
5Call to action

Product placement

eToro is mentioned in the caption as a platform for opening a stocks and shares ISA.

Call to action

If you like this content, give it a like so the algorithm knows you're into it, and follow for more from me.

Original caption

3 things I wish I knew in my 20s (Personal Finance Edition!) Stocks & Shares ISA (if you’re looking to get started - there is a link in by bio to eToro, who have a stocks and shares ISA) Credit + interest = understand it Learn about personal finance! #MoneyTok #MoneyTips #Investing #PersonalFinance #20sFinance

More from @ciara__anne

On-screen text

3 things I wish I knew at 20 rather than 31... Investing for beginners

Transcript

3 things I wish I knew at 20 rather than 31... from someone who's now got six figures invested but who used to be pretty dumb with money. And number three I already know you're doing. Put 100 pounds into stocks and shares ISA and keep doing that every month. I know it seems small and insignificant now, but it can grow to big things. It can make you millions if you start young. If you've seen any of my videos on compound growth, you will know that starting small and starting young is so important. Number two is learn how credit cards work. I was blissfully unaware of this, but if you borrow 1000 pounds and you pay back 999 pounds of it but you don't pay back the 1 pound, the credit card will charge you interest on the 1000, not the 1 pound. And that is why it is so important to pay your credit cards off in full every month. I learned this from Martin Lewis and I was shocked. And number three, I wish I knew that it was my responsibility to learn about personal finance. Now I know you already know that because you are watching content like this, and that will serve you really well in the long run. And I wish I started sooner. If you like this content, give it a like so the algorithm knows you're into it, and follow for more from me.