8 Money Moves I REGRET Not Making In My 20s

Learn from my errors lol … here are the 8 money moves I REGRET not making in my 20s.

00:00 Introduction
00:23 Selecting Friends
02:41 Ambitious Goals
03:43 Earnings Streams
05:31 Personal Advancement
06:57 Financial Limits
08:06 Sooner
09:25 Low-cost Education
10:33 Learn Budgeting



YNAB (I actually can't live without this budgeting app, so obsessed).

FHA loan.
Landmark Forum.



How to develop wealth on auto-pilot, even if you're frightened, totally puzzled by monetary lingo, and tend to get stuck in "analysis paralysis".

3 insider suggestions to producing consistent regular monthly cashflow with alternatives trading … even if you're absolutely intimidated by it, busy with a full-time job & don't want to be glued to a screen all day.



I Will Teach You to Be Rich (funny how-to book on individual finance for millennials).

The Little Book of Good Sense Investing (Jack Bogle's classic advice on index funds).

InvestED (step-by-step, millennial-friendly guidance on how to pick stocks like Warren Buffett).

Unshakeable (this book = guts. blast ALL the worries & mistaken beliefs you have about investing).

Rich Daddy Poor Dad (# 1 selling personal finance book of all time … need I say more?).

Think and Grow Rich (the ultimate book on cash mindset and wealth consciousness).



YNAB (I literally can't live without this budgeting app, so consumed).

Wise (like Venmo however for worldwide currencies – I use this app a LOT for my life in Mexico).

High-Yield Savings Accounts (don't opt for 0% when you can get 3%+ on your savings).

Ledger Nano S (crypto storage hardware wallet, because "Not Your Keys, Not Your Crypto"!):.



This content is for education and entertainment purposes only. Rose does not provide tax or financial investment recommendations. The details is being presented without factor to consider of the investment objectives, risk tolerance, or financial circumstances of any particular investor and may not be suitable for all financiers. Past performance is not a sign of future outcomes. All investing includes risk, consisting of the possible loss of principal.

This description contains affiliate links that allow you to discover the products mentioned in this video and support the channel at no charge to you. participates in the Amazon Solutions LLC Associates Program, an affiliate marketing program created to supply a way for websites to earn marketing fees by advertising and linking to www.amazon.com. Thank you for your support!



8 Money Moves I REGRET Not Making In My 20s

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About the Author: Richard Money


  1. I live here in Palo Alto. I have a friend who went to community college then Cal State then in the last year or so Stanford and now has a Stanford College degree for less than 30 k. Most of the first two years is general education courses anyway.

  2. Love the first one about choosing our friends. The tough thing is really not sure how to find those friend groups, even in a largely populated city like NYC.

    1. Making friends as an adult feels daunting sometimes I know… especially in a big city. Maybe you can try what I did and go to an investing/money meetup or class and see who shows up there! Only motivated people seek out stuff like that when there’s so many other fun things to do in the city…

  3. I communicate with my 3 children and husband most of my time… so,, I will be kid in my future

  4. Preaching to the choir here. I relate. Though still working on these changes a bit late but they say you have to start somewhere. Though if you are in your 20s, listen to this video.

  5. @Rose Han: > such a stupid question to ask , but can u give some simple examples of self development u have in mind… or what u would suggest/ recommend

    1. Not a stupid question! Reading books is the easiest/cheapest form of self-development. Classics like “How to win friends and influence people” or “Think and grow rich”. Then there’s talk therapy, and the Landmark Forum which was my first major self development thing. Beyond that there’s meditation, psychedelics and everything in between! It’s quite an addictive rabbit hole but for sure timeless books are the first place to start!

  6. 2:41 can totally relate to not having BIGGER goals. coming from a broke family I never knew how to have big audacious goals until I changed my inner circle

  7. Yea I have to invest and “we are so used to have to work for every dollar” people who aren’t Americans will laugh about that. For real. It is true. I literally could of had close to 100K if I invested at age 17 when. I managed to save 10K for a car. I was taught “the banks are evil don’t listen to nah of them, keep your money! Save it!” Then I learned about compound interest 7 years later and I’m still not well rounded about it

  8. I wish i had a group of investment motivated friends when i was younger vs really getting a grasp on this thing so late in life. I’ve always been a saver, but i should have been more aggressively investing for sure. A lesson learned late. Channels like this is the good thing about technology for sure.

  9. That you realized all of this in your 30s is amazing. I am in my 50s and just working towards being where your at. So give yourself credit for being where you are at now. Keep up all your awesome work.

  10. Show me your friends and show me your future, you said it right rose , this really resonate with me .and thanks for sharing the three types of income (1)job income (2)investment income, and (3)business income. Trading time for money is never the best way to earn money, and be heavily taxed. Multiple income streams is the greatest way to go. Thanks a million rose for this excellent, encouraging, informative, and well-informed interesting video.

  11. Rose I’m so grateful to have found you in 2020. I have put a lot more effort into investing the last few years and I can honestly say you were the biggest influence to get me into it. Thank you for putting investing into more simple terms, I will always appreciate you!

  12. I can relate to this so much. I’m also in my early 30s heading towards mid 30s and I wish I had worked on different income streams earlier! Thanks for an awesome video!

  13. I need to know Rose. The guy you met at that gathering, can’t remember what it was called. Something like Dead Man something. So can you tell me, are you still with him or did you kick him to the curb??

  14. I enjoy watching and listening to other people’s experiences in the financial arena. I have a college degree that I can frame but really had nothing to do with the career I ended up getting into. In fact I know co-workers that never went to college and we all make 6 figures with over time. It is a trade off for me my job enabled me to buy real estate, have a nice pension and medical. Passive income is great if you invest in the right areas.

  15. Studying for a degree is a form of personal development. It’s not necessarily anything to do with jobs or careers.

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