Hey Lykkers! If we could hop in a time machine and visit our 20-something selves, most of us would have a long list of things to say—especially about money.

We were busy building careers and figuring life out, while some crucial financial wisdom fell by the wayside.

Well, consider this your friendly note from the future. Here are 10 things I wish I'd known about money in my 20s.

1. It's Not About How Much You Make—It's About How Much You Keep

I used to think a higher salary was the ultimate goal. But income is only half the story. The real magic happens when you spend less than you earn and intentionally save the difference.

As financial expert Dave Ramsey explains, "You must gain control over your money, or the lack of it will forever control you" (Ramsey, D., The Total Money Makeover). Start tracking your spending—you might be surprised where your money goes.

2. Start Investing Early—Even If It's Just a Little

I thought I needed thousands to start investing. Wrong! Thanks to micro-investing apps, you can begin with just the cost of a coffee. The power of compound interest is incredible.

Warren Buffett famously called compounding "the eighth wonder of the world" (Buffett, W., Berkshire Hathaway Annual Meetings). The earlier you start, the less you have to save later.

3. Debt Is a Dream Delayer

It's easy to swipe a credit card for something you want now. But high-interest debt can hold you back for years. Make it a priority to pay off credit cards and avoid unnecessary loans.

Financial advisor Suze Orman wisely notes that "A big part of financial freedom is having your heart and mind free from worry about the what‑ifs of life."

4. Build an Emergency Fund—Before You Think You Need One

Life is full of surprises—car repairs, medical bills, job loss. An emergency fund is your financial safety net. Aim to save 3-6 months of living expenses.

5. Your Greatest Asset is Yourself

In your 20s, the best investment you can make is often in you. Learn new skills, take courses—anything that boosts your earning potential. As investor Robert Kiyosaki says, "The single most powerful asset we all have is our mind. If it is trained well, it can create enormous wealth in what seems to be an instant." (Kiyosaki, R., Rich Dad Poor Dad)

6. Don't Try to Keep Up with Social Media

Scrolling through feeds filled with luxury can make you feel behind. But remember: many highlights are funded by debt. Focus on your own goals, not someone else's curated life.

7. Learn Basic Taxes—It's a Superpower

Taxes might seem confusing, but understanding basics can save you thousands. Learn about deductions and tax-advantaged accounts.

8. Negotiate Your Salary—You're Worth It

Many people accept the first offer they get. But negotiating your salary can make a huge difference.

9. Money Won't Solve All Your Problems

While financial stability reduces stress, money itself won't make you happy. Build a life filled with purpose and relationships.

10. It's Okay to Ask for Help

You don't have to figure everything out alone. Talk to a financial advisor or join learning communities.

Lykkers, if you take away just one thing, let it be this: it's never too late to start making smarter money choices. Be kind to your past self, and take one small step today—your future self will be grateful.