Four things I wish I did when I turn 18

@josuesegoviano2

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Why it worked

The video offers practical, actionable financial advice relevant to a young audience, presented in a relatable and concise manner. The creator's personal reflection and the inclusion of specific financial goals (like saving $40k) add credibility and encourage engagement.

Summary

The creator shares four financial habits they wish they had started at age 18: opening a credit card to build credit, saving in a high-yield savings account, starting to invest as early as possible, and creating a budget to feel more in control of their finances.

Structure

1Introduction: Four financial habits to start at 18
21. Open a credit card to build credit
32. Save in a High-Yield Savings Account (HYSA)
43. Start investing early
54. Create a budget
6Conclusion: Regret not starting earlier, asks for viewer input

On-screen text

Four things I wish I did when I turn 18 1. Opening a credit card 2. Saving in a HYSA 3. Start investing ASAP 4. Create a Budget

Original caption

If I could go back to 18, these are the four financial habits I’d start immediately. The earlier you build these habits, the easier your financial future becomes. 📈 #PersonalFinance #MoneyTips #FinancialLiteracy #Investing #Budgeting

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Transcript

Four things I wish I did when I turn 18. And I regret not doing these things. Number one is opening a credit card. Not to spend money you don't have, but to start building your credit. You just gotta make sure you pay it off every single month and you're good. You gotta build that credit. Number two is putting all your funds into a HYSA, a high yield savings account. I was 18 to 22, I had like $40,000 in a regular savings account earning no interest, man. My money goes losing value, man. I regret not moving into it. High yield savings account. Number three, start investing ASAP. Started at 23. Get it. It sounds super scary, but once you understand the fundamentals, you can literally start investing with $10, $20, $50. Number four is learning how to budget. I started budgeting, I felt more in control of my money and started to make better financial decisions. I'm 24 now and honestly, I wish I would have known these four things when I turned 18. What would you add to this list?