Here is everything about money and finances that I wish somebody told me in my twenties.

Here is everything about money and finances that I wish somebody told me in my twenties. It took me eight years to make my first million dollars, but it only took me six months to make my second million dollars. I would have gotten there a lot sooner if I didn't have to figure all of this shit out on my own. First thing you want to do is go and open a high-yield savings account. I have one with my Vanguard Cash Plus, but if I were you, I would probably use SoFi. They have a much higher APY. I think it's around 4%. If your money is sitting in a regular savings account, you're losing money due to inflation. The US dollar is really losing its value. And your high-yield savings account is money that you would use for emergencies. Maybe you lose your job, maybe your car breaks down, a medical emergency. And with a high-yield savings account, you basically make money from your money just sitting there. Second thing I would want you to do is go and open a Roth IRA. I know we keep hearing about a Roth IRA. It's a retirement account that allows you to grow your money tax-free. You can put up to $7,500 a year into this account. There's no other account like that in America. I know my grandmother worked for the government for 40 or 50 years, and when she retired, she now gets like unemployment or social security, and it's barely enough to even cover her rent. Let that be a wake-up call that these companies, governments, they don't care about you. So you need to protect your future. Let's say you're in your twenties and you start your Roth IRA. If you just invested $97 a month, by the time you retire, you will be a millionaire. I would open my Roth IRA with Vanguard, Fidelity, Charles Schwab, or Ameritrade. Number three, buy stock, not stuff. I want you to start buying the stock before you buy the actual product. So many of us think that investing in the stock market is so complicated, but it's the easiest shit in the world. I started with $7,000 like five years ago. I'm well over $300,000. Instead of buying a $1,000 iPhone, take that $1,000 and buy Apple stock. Instead of using all your money to shop on Amazon, go take that money and buy Amazon stock. At this big age and all of the technology that we have available to us, not knowing how to buy stock, that's not an excuse. If you're in your twenties, I would take as much risk as I can and I would buy individual stock. If you don't want to take risk and you still want to make a little bit of money, I would buy ETFs like VOO or VTI. Like six months ago, I bought Bloom Energy for like $106. It got as high as like $311. I made almost $40 or $50,000 in like four months. In my twenties, I would be putting around $200 a month away just for investment. Number four, manage/systemize your money. Most people, they spend their entire paycheck and then they try to save what's left. That's completely backwards. Systemize your money. Put 10% away for savings, 20% away for investing, and then you live on 70%. It's assigning a task before you spend it. Every single dollar that you make should have a job. Then lastly, don't go out and incur a bunch of bad debt. This like education, student loan, that's cool. Don't go get a car note. Don't go and buy a 30-year mortgage, especially if you're young in your twenties. Unless your plan is to make money off the house, I wouldn't go and get one. Every dollar that you owe is a piece of your future that somebody else owns. But every dollar that you save or invest is a piece of your future that you own. For any reason, you still afraid or don't know where to start and you want a mentor, just DM me the word mentor and let's hop on a call. I will personally help you understand finances and grow your wealth.