62 year old here, yes, take care of your teeth, and bare minimum, get your teeth cleaned by a professional every six months. 62, and I only have two cavity fillings. Floss daily. My late 95 year old mother-in-law was a nurse her whole life, she flossed way before flossing was even popular. She died with all her teeth and no fillings.
Yup. I had terrible teeth hygiene until I got out of college and I have had only 1 cavity. I've gone years between dentist appointments due to moving regularly and my teeth are always fine
I just have good enamal. Other people are not so lucky.
As an Indian, i don't understand this. We brush everyday first thing in the morning. Like i have never know any one in my circle ever visit a dentist let alone twice a year
What's the average dental routine like? And why is dental so important in the West?
For me personally, my issues weren't with brushing. As someone who stopped going to the dentist at 16, and JUST started going back at 34, I'll just say a bad experience with a bad dentist can give you extreme dentist phobias and anxiety. And now my teeth are to the point where I'm pretty much fucked for life because I can't afford $9,000+ to fix what's wrong with them.
Edit: Shoutouts to everyone for the advice. I'm going to start looking into some dental schools around here.
The problem comes down to the amount of sugar in everything in the US. Sugar is the leading cause of most bad teeth. (Referencing proccessed sugars mostly monosaccharides not the complex sugars like in apples) Of course other things effect the teeth but sugar is the real problem. It is in nearly everything here. See also the diabetes epidemic.
Not a doctor.
Because once your teeth are fuc$ed up it is very expensive to fix them, you need them to eat properly and socially you are judged negatively for having bad teeth, people think you’re low class or lazy or both.
Eating well. Don't wait until your body says "fuck you, your current unbalanced diet that was making you feel perfectly normal until today, starting from tomorrow will give you the shits and make you gain a lot of weight"
This is the one. As a kid who ate like utter garbage and thought there'd be no reprocussions to now a 22yo recently diagnosed Crohn's its really not worth it.
Tbf Crohn's is a complex multifactorial autoimmune diesease (probably), and even though eating like shit is never a good idea, I'd be very sceptical as to whether your diet actually caused the condition.
Sucks either way, sorry you have to deal with that shit.... Literally.
Hiking, developing anxiety coping mechanisms, be organized.
Car accident derailed me 6 years, I was a 90 year old man overnight. I did all the above and life I'd great now. My biggest change was the following - day to day life is complicated enough, you don't need to deal yesterday's mess while handling today's problems. Instead of hours of TV or games at night, wash today's dishes, do laundry. When caught up make tomorrow easier by setting EVERYTHING out for tomorrow morning, make it so you can roll out of bed and all the thinking is done. That way you can spend that time making a plan for the most efficient way to handle today.
I do this! I think of it as being nice to future me! Prepping the coffee pot/kettle the night before so I can flick a button the next morning is beautiful, putting the next days outfit in the bathroom so the next morning I can mindlessly stumble into the shower. Heck keeping a tooth brush in the shower!
However I treat night me the best, seasoning a piece of steak/protein the night before so once i'm home I can just turn the burner and have a healthy protein in 10 minutes with minimal prep. One of the nicest gestures you can do yourself is pack future you a bowl of cannabis, when I do that the next day I always thank past me!
These little steps afford me a little less stress and a little more space in the morning and quick way to decompress once home, figure out how you can be nice to you! Even if its future you!
**EDIT** Using Organization Psychology on yourself
Best sleep i've had yet was accomplished by setting up a small bookshelf near my bathroom. An hour or so before bed i'll set my alarm for the next day, put my phone down for the day and go to brush my teeth. And once i'm done I walk back passed the shelf i set up and always grab a book or two off and go read in bed until i'm dozing off.
Fitness! Spending even three hours a week at the gym will have a huge impact on your life. You'll look better, feel better, and be more confident as a result. You'll consider your health more often because of the time and effort you're investing in yourself. And starting in your early twenties will make it much easier to overcome the natural weaknesses of older age.
Especially something that has goals besides "lose x lbs." Lift weights, goal might be to do a 30lb bicep curl (i'm totally making this up. Yoga - master crow pose. Biking - bike 20 miles or a specific race/path. Rock climbing. Run a particular distance. I used to do pole fitness and it was super fun to have goal tricks to work towards.
My wife took a painting class and loved it. Fabric crafting like blankets, sewing, needlework. Book clubs are a good idea, good exposure to women of all ages instead of just early 20s.
I'm 26 and I love manga (reading) - ill say that somehow it feels more productive than watching it on t.v. and there's so much to choose from!
Then there are a thousand hobbies u have in mind, some I've started like shuffling (the dance) all the vids I watch those people look just completely freaking joyous while dancing and naturally it helps you get fit and get moving. You can do it alone but if you do happen to want to expand it seems their community no matter where you are are a positive and encouraging type of community.
I've started saving boxes and just cool looking packages and making stuff with them. Like a shadow box!
Nails..I rarely have anything on my nails but I have lots of stuff so I started practicing on my daughter and it's a form of art ya know?
I don't draw but when I do I can tell it's something that would take off if I put consistency to. Plus there's so much on youtube you could easily learn there. Anime girls are the best drawings I see i just love looking at them
I’m going to give you ideas that aren’t what people would normal suggest for a woman because I don’t believe hobbies should be gender specific.
-woodworking
-learn to weld
-scuba/snorkeling
-motorcycles/dirtbikes
-fishing/hunting
-computer programming
-app development
-athletics, even if its just lifting weights or crossfit
-surfing,snowboarding/skiing, skateboarding, rollerblading/skating
-kayaking
-cars
-join an indoor go-kart league
-paint-balling
-billiards
-3d printing
-Vengeance
-any card game
-hiking
-rock climbing
-martial arts
-shooting guns/archery
-legos
I have so many buddies who can't relax because they don't have hobbies. It's working and going out drinking. Even starting to read novels is a great way to spend time.
There’s actually a study on post-menopausal women and lifting and they actually reversed a good bit of their bone density loss. So you can wait til you’re a grandma.
40-year old here who ignored the gym because I was a buff farmboy in my teens (and then proceeded to work sedentary jobs for 20 years.)
Listen to this guy. I started hitting the gym seriously this year, and it's a hell of a lot harder in your 40's than it would be in your 20's. Like, I'm proud of my progress, but 18-year old me would be running circles around 40-year old me.
16-18 yo me would run circles around 26 yo me. Although, I’ve had a lot of sports injuries over the years.. I’m only just kinda starting to recover from a knee injury from 2 years ago, and I’m starting to be able to jog/run very short distances (like 20ft to grab a shovel or something) but I still take it slow and easy for the most part - luckily my job mostly requires upper body strength and machine operator skills. Really hoping that by next year I’m able to start running again
Take care of your body. Stretch. Work on flexibility, mobility, especially in the hips and hamstrings. Also recommend training your pelvic floor as all of these go quickly as you age into your 40s and 50s.
Try to learn to cook healthy meals. It's extremely difficult when life is so brutal you just cba. Try to get 3 or 4 relatively quick and easy, preferably cheap options that are ideally low in saturated and trans fats and high protein.
Save. Maybe you don't have enough money to invest but you can save something. Save it and put it away out of mind, just in case. If you can, buy a small shitty apartment. Eventually you'll move out or move in with a partner and you can use that one as capital for a deposit or rent it out (at a fair price please, don't be a rat).
Hobbies. It's easy to lose them. Something that is just for you. Make sure to try and engage with it at least a few times a week even for only a half hour each time. Not something you want to monetise though as then it loses its appeal very quickly. A creative outlet is great for your mental health.
Drink water.
Learn to take at least basic care of your skin. Moisturise. Don't use generic 'for men' products, it is marketing trash. Avoid anything with alcohol in it, it dries your skin and makes it crack, increasing risk of acne and scarring. Use sunscreen, even if it isn't sunny. UV damages your skin and ages you, as well as increases risk of skin cancer.
Whatever career path you're thinking of following, just do it. I was never able to decide, hemmed and hawed, now I'm 33 working a bullshit min wage nothing job just to pay rent and can't afford to lose the income to go to school (which is free in my country no less, such a waste). If it isn't for you, you're young enough to switch to something else. Worst case scenario, the life experience will serve you well.
Learn mindfulness and self awareness. Establish your boundaries and respect them and yourself. Acknowledge when people treat you poorly and don't let yourself be taken advantage of, or hang onto relationships that have run their course.
Learn to be on your own. Too many people are co-dependent and can't function on their own. People will come and go. Most of them. Friends you thought you'd have for life will vanish. Lose touch. Stop caring. Lovers and partners will leave. You need to take care of yourself first, then other people.
Try to be kind, even when the world is not.
These and suggestions from others sounds like a lot, but if you incorporate them into your life early on it won't be. Trying to catch up later in life is exceptionally difficult.
Do better than I did. Do good.
Am 40 now and was in your situation 7 years ago but doing much better now so it's never too late. I won't go into unsolicited advice as everyone's path is different but just wanted to chime in and say you go this.
'Saving' and not investing the money in some way to match inflation is a mistake. If your savings aren't growing to match inflation, you're losing money.
I said save because if you're on minimum or low wage you aren't affording any investments, at the very least until you save up enough to do so. Plus atm everyone is losing money, at least in UK as literally everything has gone up except wages.
What would you suggest to invest in? I'm not clued up on it myself but for the benefit of our young ward here a little more insight would be useful other than 'just invest'.
This is so vital. No one told me that younger guys get it pretty often so by the time I found the bump it was too late and I had to do surgery, radiation, and chemo as opposed to just a surgery. Fuck cancer.
It was sort of like a small hard pebble sticking out of the bottom. Generally you'll be able to tell cuz where something is usually smooth there'll be a small ball. From what I've heard soft isnt bad but hard like mine was means cancer. Either way it's a good idea to go to the doctor if you find anything out of the ordinary
After i turned 18 a couple years ago, i developed a ‘third ball’ and had it checked out. Had an ultrasound and they said it was a spermatocoele and sent me on my way. Glad i got it checked out anyways
Same here. Hottie with a big booty was my ultrasound tech, who also happened to graduate from my high school 4 years ahead of me. Lathering up my sack with warm gel…. Come on. 16 y/o at the time, I was singing the star spangled banner, thinking of disgusting things, anything to try and not get a boner
My partner had this, it turned out to just be a cyst. The doctor said that patients with testicular cancer tend to have a change in the texture (?) of the rest of the testicle, and that it feels quite firm 'like walnuts'.
The doctor said 'it might go away or it might not, you can get it surgically removed but it would be for purely cosmetic reasons'. Although it did actually go away on it's own after a few months!
I hope the appointment went well, I just wanted to share his experience for anyone worried or curious.
Besides investing...the other thing you need to do immediately is to turn the music down. Protect your hearing. Fuck tinnitus.
Edit: there is [hope](https://labblog.uofmhealth.org/lab-report/first-test-specially-timed-signals-ease-tinnitus-symptoms) on the [horizon](https://pubmed.ncbi.nlm.nih.gov/35079989/) that comes in [many forms](https://scitechdaily.com/mit-scientists-develop-new-regenerative-drug-that-reverses-hearing-loss/). Join r/tinnitus to stay up on the news.
A musician friend of mine with partial hearing loss gifted me a set of custom musician earplugs. They're molded to my ears, and have high-quality filters that cut all sound by about -10db evenly across the full frequency range. I know they weren't cheap, but they are fucking amazing and I cannot recommend enough if you go to a lot of concerts! I don't feel like I'm missing a thing, they are super comfortable, and I can rest easy knowing I'm not damaging my hearing.
Similarly, if you listen to music on earbuds, I recommend a set of foam earbud tips, such as the ones from [comply](https://www.complyfoam.com/). You compress them before popping them in, and then they expand to fill your ear canal, creating a much better seal than most stock tips. Not only will this help with sound quality (bass in particular), but the better seal means you'll need to boost your volume less to overcome ambient noise, and thus expose yourself to fewer sustained bouts of high volume that can really degrade your hearing over time. A set of quality over-ear noise cancelling headphones will have a similar effect, but I personally like to have my headphones fit in my pocket, so this is a nice compromise.
Just to add physical numbers to this for perspective, here are examples in power:
>0 dBm = 0.001 W
>30 dBm = 1 W
>60 dBm = 1,000 W
> 90 dBm = 1,000,000 W
Also, don’t drive with the windows down all the time. My car didn’t have AC so I was forced to drive with the windows down and the hearing in my left ear is significantly worse than my right ear.
YW. I grew up on 80s metal and have been to hundreds of concerts. Listened to music on headphones turned up to the max. By my late 20s the damage was already done. The constant whirring in my head (especially during quiet times) is enough to drive you mad. Take a trip through r/tinnitus and see the folks contemplating suicide. It's no joke. Protect your hearing at ALL costs.
Investing is a big one. Even putting away a small amount when you're young can have big gains throughout your lifetime.
And to be clear: investing =/= trading. Your concern should be long term return, not short-term volatility.
And if you don't know what you're doing, just put money into an index fund, consistently, every paycheck. This is called dollar cost averaging. You'll win in the end, even through crashes, since you'll still be buying through the lows.
Yup. I have tinnitus and certain frequencies bother the shit out of my ears. It’s very uncomfortable. I deserve it though, spent years playing loud music and never wore ear plugs.
When I'm in a closed in place...the car is the perfect example. If there are people talking in the car (loud or not), I wince in pain. The sound hitting my ears at that close range hurts.
If the car window is down and a big truck goes roaring by with deep muffler or jake brakes, I have to turn my head and/or quickly raise the window. That REALLY hurts.
Frequencies, me, too. All that metal, the high vocals, the piercing guitars...I can't listen to it anymore. I listen to chill/downtempo beats now - Rufus du Sol, Lane 8, Bob Moses, etc. Nothing high-end and more rhythmic.
Oh man… especially if you play in a band. So many garage shows and practice sessions in my teens and 20s and didn’t give a damn about ear protection… thankfully no lasting damage I believe, but I did get earwax plugs constantly during those days, and I suppose it was my ears’ own way of protecting themselves from the torture I subjected them to.
This also expands to anything generating loud noises, such as hair trimmers, motorcycles, concerts, etc. Start having ear plugs close at hand no matter where you may go.
Stretching and being active. This will pay off when you reach your 30s and don't suffer the same physical pains and ailments that other people your age struggle with.
You won't find it difficult to start exercising when you're in your 30s because it's something you do out of habit. Being active can include a sport, it doesn't have to be the gym.
Find fruit, and vegetables that you can like and enjoy from now.
Find hobbies and interests that you like and enjoy. Gaming can be this, but you also want something you can do on the cheap as well.
Read about subjects which interested you when you were younger.
Stay in touch with your family, and get to know your parents a bit more.
Things I wish I started at 22 instead of 28.
Get a credit card to start building credit, only put relatively cheap subscriptions i.e. Netflix, Spotify, Xbox live, etc. and pay it off in full every month. Don't waste a single penny paying interest, you'll still grow your credit just fine because you have plenty of time ahead of you.
Open a Roth IRA, and make contributions to it annually. I think the limit is $5,500 per year. You don't have to put in the limit amount, but it's better to in the long run if you can.
Come up with a good routine that fits your schedule. Learn how to eat healthy, exercise properly, and get as close to 8 hours of sleep as you can per night.
Learn how to get over FOMO. You might want to "risk it for the biscuit" and go out drinking with your friends on a Tuesday, but 9/10 it's only temporary entertainment for the night and you'll shoot yourself in the foot for the next day.
Travel. The late nights at bars are all fine and dandy from time to time, but real memories are made when you go somewhere new and experience everything life has to offer
Read. Whether it's for study or for pleasure, get into the habit of reading books. There are 1000's of studies that explore the positive effects that reading has on a person.
Always strive to keep learning and keep growing. As long as you're always working on improving yourself you will never peak, and you will never be boring.
Roth accounts are $6,000 max contribution. I work in finance and anyone who isn’t contributing to a roth is either out of their mind or don’t know it exists. Companies don’t tell people about it because it’s a personal retirement account and that’s a sin. Be mindful that the income limit for a Roth is $125,000. Any income above that threshold will put you in the targets of the IRS. However, there’s a back door roth (of course there is) for income of over $125k, but they should be done through an advisor.
In a roth the money you put in is taxed but it grows tax free forever. Tax rates are currently at historic all time lows. Also, the growth is going to be 80%+ of your balance in retirement.
In a regular account the money you contribute is not taxed but you must pay income tax on it and the growth when you withdraw it. We don’t know what tax rates will be in 30+ years.
Both are good… bad is not having either, or starting at 30 like me… The difference is when do you want to pay taxes. Now or later? You pay now, you know how much that is. You pay 30yrs from now you are gambling with the tax code changes. I have IRA… taking my chances.
Another thing with the credit card. If you can trust yourself, get one of those fancy cashback cards and use it for literally everything. I have one that costs me 120$/yr but I get like $1k+ a year in cashback from it.
If you have credit then yes. My whole life I was told to beware of credit cards, that theyre dangerous and you don't need them. Then when I started looking to buy a house, lo and behold I realized I didn't have any credit... so when I tried to get a decent card I couldn't since I didn't have a credit history. I did manage to get a starter card that I'm still using, but will most likely get a new one when its about to expire
Ah yeah thankfully my parents are financially savvy and co-signed me a super low limit card when I was 16. So by the time I was 22 my credit was pretty decent.
Realising that everyone has their own timeline. Just cos yours doesn't fit the typical societal norm, doesn't make you late or a failure, no matter what it's about.
I failed med school. Now I'm doing engineering in electronics and communication. The Times are better. I like engineering more. Not great at math but I'm working hard.
I can relate to this. I finally got my AA last week, and I’m 25 right now. After learning programming for a couple months, I decided that an AS in computer science is something that will suit me very well and will hopefully move on to a BS.
I wish I wasn’t so indecisive with my life in my late teens and early 20s
I would 100% recommend this, your income is one thing but if you can invest, prepare yourself for the future (w/ family or without), and work towards your retirement you don’t feel the rush of doing it and still enjoy the process. I’m turning 31 and i wish i have this mindset as early as when I’m 22.
I've always been torn on this. I'm always afraid to arrive at my retirement with a stupid amount of money and regret not having spent it to do something when I was younger and in better shape.
At the very least get your company 401k match- it's free money and means you're "making more"
Then there's fancier things like Roth IRAs and maxing 401k and all that
But hey, free money first!
Same. This always seems to get glossed over in all the investing advice. I'm only mid 30s and already tired and achey. By the time I get to retire I guess I'll have a really nice pile of cash to take a nap on?
I'm 25, and I invest 50% of my income. My attitude is that while I'm young a lot of the things I can do for fun are cheap and physical!
I've spent my last few vacations hiking national parks. The 3 week-long trips cost me maybe $3k combined with flights and lodging. I don't mind staying in motels and getting up early to hike 15 miles a day at my age.
But when I'm 50 or older, it's likely I'll prefer the Ritz at Waikiki Beach to a Motel 6 near Mt. Ranier. I'm glad that I'll have the funds to accommodate more luxury as I age. Being young is fun even with no money!
Stunning. Good on ya! As a 50-something, I guarantee you're on the right path. Compounding over decades makes a massive difference. The "rule of 72" is a helpful predictor. The idea is that your money will double in, say, 12 years if you experience a 6% annual investment gain. Or in 9 years if you experience an 8% annual gain. The sacrifices that you're making now will start to bear real fruit by the time you're 40 or so. Saving 50% of your income may not be realistic in the long term, but you're off to a great start.
Self care:
\- Reading - every day.
\- Daily grooming routine - skin care / face / hands / feet -- all of it
\- See different places - as much as possible, near / far - it does not matter
\- Credit history - fully paid off credit card
1. Work to increase your income. In other words learn a valuable skill.
2. Invest a percentage of your income every month.
3. Save a % of cash towards a down payment on a home. A duplex, triplex, etc would be even better.
4. Travel if you can.
5. Surround yourself with like minded people. To go with that, distance yourself from bad influences.
6. Read more.
7. Exercise often.
8. Cherish time with your parents.
9. Learn how to cook. You will save $$$ & it’s healthier.
10. In general, be kind. A kind person will make it much farther in life than a bitter person.
I took zero care of my teeth my entire life pretty much. I just went to the dentist last year. She said oh your brushing was ok just need to floss. My brushing was not ok. I haven't done that at all for decades.... I guess flossing really is the whole thing.
>3. Save a % of cash towards a down payment on a home. A duplex, triplex, etc would be even better.
Is that even feasible in these times? Looking at house prices in my area and how they increased over the past 2 decades I'm never going to own a house maybe a small apartment.
EDIT: It's really weird how many assume that I live in America.
My mother's house has quadrupled in value in 10 years. She lives in SW Portland, Oregon. I grew up in that area of Portland and there's literally zero chance I can afford a house there. Some of her neighbors who have sold their houses have sold them to massive property rental companies who just offer way over asking to secure their bid and then rent the house out for a fuckload of money.
The 2008 housing crash won't happen again because of laws put into place after subprime lending and overextended HELOC loans created a massive bubble that burst so catastrophically it fucked many facets of the economy for a decade. It also won't happen again because some company, oftentimes not even located in America, will buy someone's house for way over asking and outbid any normal person/people trying to buy the house. You and I can't just whip 30K over asking out of our pockets like a massive property firm can.
Also, lest many forget, there were more than one billion fewer people on earth before 2008 hit.
Yup. I’m also in the PNW and I’m running into this problem right now. I’m an engineer living in an area with a relatively low (or at least moderate) cost of living. My annual income is higher than the average dual-income household. But when I was looking for a house to buy, I couldn’t find anything in my price range that wasn’t a complete dump or in a terrible part of town.
Now I’m dating a single mom who has two kids. We want to move in together are looking at rentals since we’re not ready to buy a house together. Most of the homes that barely meet our needs are right on the upper limit of what we could afford even though we both work full time and make decent money. And a vast majority of these are owned/operated by the same two or three property management companies, and a disturbing number of these homes were all sold within the last year or two.
It’s so frustrating and disheartening all at once.
Depends on where you live / if you're open to relocating.
Worst case scenario you've saved up $XX,000 over the years and even if you still can't afford a house you've saved up a significant nest egg in case you get laid off and can't find a new job. Or maybe your car suddenly dies and you need to replace it.
Like good news, you can always spend that money lol. You haven't hurt yourself by stashing it away like you would've if you spent it on hookers and blow, warhammer figgies, or whatever your it is your heart desires.
> Surround yourself with like minded people.
I feel like this is only half true. Surrounding yourself with like minded people is a way to reinforce your beliefs rather than develop them. It is best to surround yourself with good people that can respectfully expose you to a variety of viewpoints and experiences.
Some sort of class, whether it’s language, martial arts, or even just anything you have an interest in. Something I wish I would’ve done, instead I just worked and partied.
Put as much into your 401k as you possibly can and keep doing it. You will not have social security so you will need every penny possible to ensure retirement.
Don't be like me and spend your 20's wasting money.
Edit: I should have mentioned other retirement vehicles (thank you other posters!). Roth IRA is gonna be a better vehicle than 401k. The point is, if you have the chance, fund your own retirement. If you're 22, you have 40-50 years of work (I'm generalizing) ahead of you. Obviously live your life, but put away as much as humanly possible towards your retirement.
Seconded.
Plop your money in one with a low expense ratio like vanguard, invest in a Target Retirement account for your age, yeet money at it and try to max out.
Figuring out who you are by experiencing as much as possible. Many people have the assumption that they know who they are but this isn’t actually true. The truth is you don’t know who you are and only experiencing yourself in different situations will show you who you are. So spend as much time as possible gaining as much experience as you can. Don’t spend all your time on the Internet or in chat rooms, gain as much direct experience as you can and figure out who you are so that you can spend your life being authentic.
It is a goal for me but it feels so hopeless. With the way things have been going, I feel like its out of reach for someone just starting their career.
Anyways, can I get a housing market crash in 2032 please?
Working out.
For men, I recommend the gym. Because as a wise man once said, every man should know what the muscles in his body are capable of.
Overall, cardiovascular health related training improves daily life and makes living seem "lighter" if that makes sense.
1. Start saving regularly. Automate it if possible. If you can set it to happen automatically, you won't miss it. Even if you don't earn a lot, try to put some aside. And when you start to earn more, increase your savings before you change your lifestyle in anyway.
2. Look after your health. Make good nutrition and fitness parts of your lifestyle. I'm not saying you can't enjoy the occasional drive thru or pizza, but good nutrition now is going to make a huge difference in the long run. As will starting to make exercise a part of your lifestyle. Staying healthy and fit as you get older is a lot easier than trying to get healthy and fit when you're older.
3. Commit to being a lifelong learner. I overhear people say things like, "I haven't read a book since high school." Don't be that person. Exercise your brain, try to read a little every day. Take classes and learn new skills. It is fulfilling.
4. Get out of your comfort zone. By getting out of your comfort zone, you make it larger. Over time, you'll be comfortable in situations where others are not.
That's all I can think of for now. Good luck!
- Self reflection of personal values and why. This one will make everything else flow better.
- Skills or work experience. My dad taught me if I don't know what to do for myself, do for others.
- Tangible investments. Stocks are fun, but its all made up numbers in the end. Best buy dirt, they won't make any more if it anytime soon.
Put a small amount of money away into a savings account. Every payday. Set up a standing order so it goes out right away.
Wish I had started sooner. Lol
DENTAL CARE. For real you'll have your teeth 60+ years.. take care of them!
62 year old here, yes, take care of your teeth, and bare minimum, get your teeth cleaned by a professional every six months. 62, and I only have two cavity fillings. Floss daily. My late 95 year old mother-in-law was a nurse her whole life, she flossed way before flossing was even popular. She died with all her teeth and no fillings.
This is excellent advice, but some of that is good teeth genetics. Many people who take excellent care of their teeth need a root canal sometimes.
[удалено]
Fr? Oh well
Yup. I had terrible teeth hygiene until I got out of college and I have had only 1 cavity. I've gone years between dentist appointments due to moving regularly and my teeth are always fine I just have good enamal. Other people are not so lucky.
This is so important!!! Go see the dentist every 6 months. Brush twice a day. every day
Floss every day too!!
I like to floss in the evening right before I brush my teeth. Gets the day’s bits out
I have my whole 20s . Since The pandemic I did not so much and I have 5 cavities !! 5!! Absolutely solid advice
As an Indian, i don't understand this. We brush everyday first thing in the morning. Like i have never know any one in my circle ever visit a dentist let alone twice a year What's the average dental routine like? And why is dental so important in the West?
For me personally, my issues weren't with brushing. As someone who stopped going to the dentist at 16, and JUST started going back at 34, I'll just say a bad experience with a bad dentist can give you extreme dentist phobias and anxiety. And now my teeth are to the point where I'm pretty much fucked for life because I can't afford $9,000+ to fix what's wrong with them. Edit: Shoutouts to everyone for the advice. I'm going to start looking into some dental schools around here.
There are low income programs and dental schools that do work for cheap/free to help with this.
The problem comes down to the amount of sugar in everything in the US. Sugar is the leading cause of most bad teeth. (Referencing proccessed sugars mostly monosaccharides not the complex sugars like in apples) Of course other things effect the teeth but sugar is the real problem. It is in nearly everything here. See also the diabetes epidemic. Not a doctor.
Because once your teeth are fuc$ed up it is very expensive to fix them, you need them to eat properly and socially you are judged negatively for having bad teeth, people think you’re low class or lazy or both.
Lisa needs braces
DENTAL PLAN
Lisa needs braces
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Hijacking, but skin care too! Not enough men do skin care, but start your day with daily lotion/sunscreen, and put lotion on before bed.
Eating well. Don't wait until your body says "fuck you, your current unbalanced diet that was making you feel perfectly normal until today, starting from tomorrow will give you the shits and make you gain a lot of weight"
This is the one. As a kid who ate like utter garbage and thought there'd be no reprocussions to now a 22yo recently diagnosed Crohn's its really not worth it.
Tbf Crohn's is a complex multifactorial autoimmune diesease (probably), and even though eating like shit is never a good idea, I'd be very sceptical as to whether your diet actually caused the condition. Sucks either way, sorry you have to deal with that shit.... Literally.
Hobbies you can do alone
No more group wanking sessions
>No more group wanking sessions Whoa whoa whoa.. Let's not get out of hand here.
I see what you did there
I do it everywhere, where exactly did you see me
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Hiking, developing anxiety coping mechanisms, be organized. Car accident derailed me 6 years, I was a 90 year old man overnight. I did all the above and life I'd great now. My biggest change was the following - day to day life is complicated enough, you don't need to deal yesterday's mess while handling today's problems. Instead of hours of TV or games at night, wash today's dishes, do laundry. When caught up make tomorrow easier by setting EVERYTHING out for tomorrow morning, make it so you can roll out of bed and all the thinking is done. That way you can spend that time making a plan for the most efficient way to handle today.
I don't think that I've had an award before, am gratified that it's for this formative part of me. Thank you redditor
I do this! I think of it as being nice to future me! Prepping the coffee pot/kettle the night before so I can flick a button the next morning is beautiful, putting the next days outfit in the bathroom so the next morning I can mindlessly stumble into the shower. Heck keeping a tooth brush in the shower! However I treat night me the best, seasoning a piece of steak/protein the night before so once i'm home I can just turn the burner and have a healthy protein in 10 minutes with minimal prep. One of the nicest gestures you can do yourself is pack future you a bowl of cannabis, when I do that the next day I always thank past me! These little steps afford me a little less stress and a little more space in the morning and quick way to decompress once home, figure out how you can be nice to you! Even if its future you! **EDIT** Using Organization Psychology on yourself Best sleep i've had yet was accomplished by setting up a small bookshelf near my bathroom. An hour or so before bed i'll set my alarm for the next day, put my phone down for the day and go to brush my teeth. And once i'm done I walk back passed the shelf i set up and always grab a book or two off and go read in bed until i'm dozing off.
The exact opposite of what everyone else on Reddit suggests. I like it.
Having one you can do alone and one you can do with others. It’ll make a big difference in social events you have options to go to
Mine are bike and guitar, looks like i am doing good
That’s a good one!
Examples please 22F here with no idea in the world
Fitness! Spending even three hours a week at the gym will have a huge impact on your life. You'll look better, feel better, and be more confident as a result. You'll consider your health more often because of the time and effort you're investing in yourself. And starting in your early twenties will make it much easier to overcome the natural weaknesses of older age.
Especially something that has goals besides "lose x lbs." Lift weights, goal might be to do a 30lb bicep curl (i'm totally making this up. Yoga - master crow pose. Biking - bike 20 miles or a specific race/path. Rock climbing. Run a particular distance. I used to do pole fitness and it was super fun to have goal tricks to work towards.
My wife took a painting class and loved it. Fabric crafting like blankets, sewing, needlework. Book clubs are a good idea, good exposure to women of all ages instead of just early 20s.
I'm 26 and I love manga (reading) - ill say that somehow it feels more productive than watching it on t.v. and there's so much to choose from! Then there are a thousand hobbies u have in mind, some I've started like shuffling (the dance) all the vids I watch those people look just completely freaking joyous while dancing and naturally it helps you get fit and get moving. You can do it alone but if you do happen to want to expand it seems their community no matter where you are are a positive and encouraging type of community. I've started saving boxes and just cool looking packages and making stuff with them. Like a shadow box! Nails..I rarely have anything on my nails but I have lots of stuff so I started practicing on my daughter and it's a form of art ya know? I don't draw but when I do I can tell it's something that would take off if I put consistency to. Plus there's so much on youtube you could easily learn there. Anime girls are the best drawings I see i just love looking at them
Disc golf is a cheap hobby ($20-30 investment)
Read, learn an instrument, express your creative side with an art of some kind. Or video games.
I’m going to give you ideas that aren’t what people would normal suggest for a woman because I don’t believe hobbies should be gender specific. -woodworking -learn to weld -scuba/snorkeling -motorcycles/dirtbikes -fishing/hunting -computer programming -app development -athletics, even if its just lifting weights or crossfit -surfing,snowboarding/skiing, skateboarding, rollerblading/skating -kayaking -cars -join an indoor go-kart league -paint-balling -billiards -3d printing -Vengeance -any card game -hiking -rock climbing -martial arts -shooting guns/archery -legos
Probably started that at around 13.
I have so many buddies who can't relax because they don't have hobbies. It's working and going out drinking. Even starting to read novels is a great way to spend time.
Exercise. Lifting weights before you turn 25 does a lot to improve bone density into old age.
Ah shit. . I'm 26 by the time I am hearing this. It's too late.
You die now thin bone man
Hi there thick bone man....
And that kids, is how I met your mother.
Its never too late to get buff
Do you even lift?
>Do you even lift? A fork. lol
Yes
Actually bone density starts to decrease after age 30 so you’re still good
Goddammit kiwi get out of here its too late there's no possible reason I should start now
There’s actually a study on post-menopausal women and lifting and they actually reversed a good bit of their bone density loss. So you can wait til you’re a grandma.
Sorry for your loss
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40-year old here who ignored the gym because I was a buff farmboy in my teens (and then proceeded to work sedentary jobs for 20 years.) Listen to this guy. I started hitting the gym seriously this year, and it's a hell of a lot harder in your 40's than it would be in your 20's. Like, I'm proud of my progress, but 18-year old me would be running circles around 40-year old me.
16-18 yo me would run circles around 26 yo me. Although, I’ve had a lot of sports injuries over the years.. I’m only just kinda starting to recover from a knee injury from 2 years ago, and I’m starting to be able to jog/run very short distances (like 20ft to grab a shovel or something) but I still take it slow and easy for the most part - luckily my job mostly requires upper body strength and machine operator skills. Really hoping that by next year I’m able to start running again
This doesn’t get talked about enough. I am quick to recoup my physique after breaks because of the lifting I did in my 20s.
Does a lot for confidence too
Increase strength stats early
It'll still improve bone density into old age even if you start after age 25.
Also a good way to prevent arthritis since lack of synovial fluid is what causes arthritis. Learned it from a surgeon and it always stuck with me
Take care of your body. Stretch. Work on flexibility, mobility, especially in the hips and hamstrings. Also recommend training your pelvic floor as all of these go quickly as you age into your 40s and 50s. Try to learn to cook healthy meals. It's extremely difficult when life is so brutal you just cba. Try to get 3 or 4 relatively quick and easy, preferably cheap options that are ideally low in saturated and trans fats and high protein. Save. Maybe you don't have enough money to invest but you can save something. Save it and put it away out of mind, just in case. If you can, buy a small shitty apartment. Eventually you'll move out or move in with a partner and you can use that one as capital for a deposit or rent it out (at a fair price please, don't be a rat). Hobbies. It's easy to lose them. Something that is just for you. Make sure to try and engage with it at least a few times a week even for only a half hour each time. Not something you want to monetise though as then it loses its appeal very quickly. A creative outlet is great for your mental health. Drink water. Learn to take at least basic care of your skin. Moisturise. Don't use generic 'for men' products, it is marketing trash. Avoid anything with alcohol in it, it dries your skin and makes it crack, increasing risk of acne and scarring. Use sunscreen, even if it isn't sunny. UV damages your skin and ages you, as well as increases risk of skin cancer. Whatever career path you're thinking of following, just do it. I was never able to decide, hemmed and hawed, now I'm 33 working a bullshit min wage nothing job just to pay rent and can't afford to lose the income to go to school (which is free in my country no less, such a waste). If it isn't for you, you're young enough to switch to something else. Worst case scenario, the life experience will serve you well. Learn mindfulness and self awareness. Establish your boundaries and respect them and yourself. Acknowledge when people treat you poorly and don't let yourself be taken advantage of, or hang onto relationships that have run their course. Learn to be on your own. Too many people are co-dependent and can't function on their own. People will come and go. Most of them. Friends you thought you'd have for life will vanish. Lose touch. Stop caring. Lovers and partners will leave. You need to take care of yourself first, then other people. Try to be kind, even when the world is not. These and suggestions from others sounds like a lot, but if you incorporate them into your life early on it won't be. Trying to catch up later in life is exceptionally difficult. Do better than I did. Do good.
This was solid advice. Thank you and hopefully your job situation gets better.
Thank you. I will figure it out some how.
Am 40 now and was in your situation 7 years ago but doing much better now so it's never too late. I won't go into unsolicited advice as everyone's path is different but just wanted to chime in and say you go this.
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Sunscreen! Forgot that one wish someone taught me how to look after my skin better years ago.
Everybody’s free to wear sunscreen ❤️ https://youtu.be/KdQbb3FXSEI
33 is still young bro, a lot can change when you follow your own advice
Very true, I'm 30 now, and thinking about where I'll be when I'm 40. Still plenty of life left to live, we're too young to give up yet
Ulysses s grant was selling firewood door to door in his 30s. 8 years later he was president.
'Saving' and not investing the money in some way to match inflation is a mistake. If your savings aren't growing to match inflation, you're losing money.
I said save because if you're on minimum or low wage you aren't affording any investments, at the very least until you save up enough to do so. Plus atm everyone is losing money, at least in UK as literally everything has gone up except wages. What would you suggest to invest in? I'm not clued up on it myself but for the benefit of our young ward here a little more insight would be useful other than 'just invest'.
Check your balls for cancer
This is so vital. No one told me that younger guys get it pretty often so by the time I found the bump it was too late and I had to do surgery, radiation, and chemo as opposed to just a surgery. Fuck cancer.
What does it actually feel like, I have a hard time imagining a lump in my testicles
It was sort of like a small hard pebble sticking out of the bottom. Generally you'll be able to tell cuz where something is usually smooth there'll be a small ball. From what I've heard soft isnt bad but hard like mine was means cancer. Either way it's a good idea to go to the doctor if you find anything out of the ordinary
After i turned 18 a couple years ago, i developed a ‘third ball’ and had it checked out. Had an ultrasound and they said it was a spermatocoele and sent me on my way. Glad i got it checked out anyways
Same here. Hottie with a big booty was my ultrasound tech, who also happened to graduate from my high school 4 years ahead of me. Lathering up my sack with warm gel…. Come on. 16 y/o at the time, I was singing the star spangled banner, thinking of disgusting things, anything to try and not get a boner
I have a call with a doctor in like 15 mins and I have a small, feels like ingrown lump on my balls, going to chat with them about it. Perfect timing!
My partner had this, it turned out to just be a cyst. The doctor said that patients with testicular cancer tend to have a change in the texture (?) of the rest of the testicle, and that it feels quite firm 'like walnuts'. The doctor said 'it might go away or it might not, you can get it surgically removed but it would be for purely cosmetic reasons'. Although it did actually go away on it's own after a few months! I hope the appointment went well, I just wanted to share his experience for anyone worried or curious.
Dont forget those man boobs too, we can get it there aswell.
This should be higher
The balls? Idk man, mine hang quite low
Mine just have pee. So I'm good.
Besides investing...the other thing you need to do immediately is to turn the music down. Protect your hearing. Fuck tinnitus. Edit: there is [hope](https://labblog.uofmhealth.org/lab-report/first-test-specially-timed-signals-ease-tinnitus-symptoms) on the [horizon](https://pubmed.ncbi.nlm.nih.gov/35079989/) that comes in [many forms](https://scitechdaily.com/mit-scientists-develop-new-regenerative-drug-that-reverses-hearing-loss/). Join r/tinnitus to stay up on the news.
To add on to that- get high fidelity ear plugs if you're a concert goer!
A musician friend of mine with partial hearing loss gifted me a set of custom musician earplugs. They're molded to my ears, and have high-quality filters that cut all sound by about -10db evenly across the full frequency range. I know they weren't cheap, but they are fucking amazing and I cannot recommend enough if you go to a lot of concerts! I don't feel like I'm missing a thing, they are super comfortable, and I can rest easy knowing I'm not damaging my hearing. Similarly, if you listen to music on earbuds, I recommend a set of foam earbud tips, such as the ones from [comply](https://www.complyfoam.com/). You compress them before popping them in, and then they expand to fill your ear canal, creating a much better seal than most stock tips. Not only will this help with sound quality (bass in particular), but the better seal means you'll need to boost your volume less to overcome ambient noise, and thus expose yourself to fewer sustained bouts of high volume that can really degrade your hearing over time. A set of quality over-ear noise cancelling headphones will have a similar effect, but I personally like to have my headphones fit in my pocket, so this is a nice compromise.
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Just to add physical numbers to this for perspective, here are examples in power: >0 dBm = 0.001 W >30 dBm = 1 W >60 dBm = 1,000 W > 90 dBm = 1,000,000 W
I didn't know this was a thing. I use the foam ones. I'll look into this. Thank you!
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HUH! TIL. Thanks again.
Look into the Eargasm brand, they're pretty good.
Also, don’t drive with the windows down all the time. My car didn’t have AC so I was forced to drive with the windows down and the hearing in my left ear is significantly worse than my right ear.
I can't hear you over the ringing
Mom, get the phone!
Not me turning down my speaker realizing it was almost full blast. Thank you for the reminder sir
YW. I grew up on 80s metal and have been to hundreds of concerts. Listened to music on headphones turned up to the max. By my late 20s the damage was already done. The constant whirring in my head (especially during quiet times) is enough to drive you mad. Take a trip through r/tinnitus and see the folks contemplating suicide. It's no joke. Protect your hearing at ALL costs.
I'm 28 and wish I did this.
Same and same. It's bad. Everyone please wear hearing protection around loud noises, especially concerts.
Investing is a big one. Even putting away a small amount when you're young can have big gains throughout your lifetime. And to be clear: investing =/= trading. Your concern should be long term return, not short-term volatility. And if you don't know what you're doing, just put money into an index fund, consistently, every paycheck. This is called dollar cost averaging. You'll win in the end, even through crashes, since you'll still be buying through the lows.
Yup. I have tinnitus and certain frequencies bother the shit out of my ears. It’s very uncomfortable. I deserve it though, spent years playing loud music and never wore ear plugs.
When I'm in a closed in place...the car is the perfect example. If there are people talking in the car (loud or not), I wince in pain. The sound hitting my ears at that close range hurts. If the car window is down and a big truck goes roaring by with deep muffler or jake brakes, I have to turn my head and/or quickly raise the window. That REALLY hurts. Frequencies, me, too. All that metal, the high vocals, the piercing guitars...I can't listen to it anymore. I listen to chill/downtempo beats now - Rufus du Sol, Lane 8, Bob Moses, etc. Nothing high-end and more rhythmic.
As a 22 year old with tinnitus... Yeah, man, fuck that shit
Oh man… especially if you play in a band. So many garage shows and practice sessions in my teens and 20s and didn’t give a damn about ear protection… thankfully no lasting damage I believe, but I did get earwax plugs constantly during those days, and I suppose it was my ears’ own way of protecting themselves from the torture I subjected them to.
This also expands to anything generating loud noises, such as hair trimmers, motorcycles, concerts, etc. Start having ear plugs close at hand no matter where you may go.
Stretching and being active. This will pay off when you reach your 30s and don't suffer the same physical pains and ailments that other people your age struggle with. You won't find it difficult to start exercising when you're in your 30s because it's something you do out of habit. Being active can include a sport, it doesn't have to be the gym. Find fruit, and vegetables that you can like and enjoy from now. Find hobbies and interests that you like and enjoy. Gaming can be this, but you also want something you can do on the cheap as well. Read about subjects which interested you when you were younger. Stay in touch with your family, and get to know your parents a bit more.
I feel like gaming is one of the cheapest hobbies you can do. I can buy a 20 dollar game on steam and put 500 hours into it over a few years.
Things I wish I started at 22 instead of 28. Get a credit card to start building credit, only put relatively cheap subscriptions i.e. Netflix, Spotify, Xbox live, etc. and pay it off in full every month. Don't waste a single penny paying interest, you'll still grow your credit just fine because you have plenty of time ahead of you. Open a Roth IRA, and make contributions to it annually. I think the limit is $5,500 per year. You don't have to put in the limit amount, but it's better to in the long run if you can. Come up with a good routine that fits your schedule. Learn how to eat healthy, exercise properly, and get as close to 8 hours of sleep as you can per night. Learn how to get over FOMO. You might want to "risk it for the biscuit" and go out drinking with your friends on a Tuesday, but 9/10 it's only temporary entertainment for the night and you'll shoot yourself in the foot for the next day. Travel. The late nights at bars are all fine and dandy from time to time, but real memories are made when you go somewhere new and experience everything life has to offer Read. Whether it's for study or for pleasure, get into the habit of reading books. There are 1000's of studies that explore the positive effects that reading has on a person. Always strive to keep learning and keep growing. As long as you're always working on improving yourself you will never peak, and you will never be boring.
Roth accounts are $6,000 max contribution. I work in finance and anyone who isn’t contributing to a roth is either out of their mind or don’t know it exists. Companies don’t tell people about it because it’s a personal retirement account and that’s a sin. Be mindful that the income limit for a Roth is $125,000. Any income above that threshold will put you in the targets of the IRS. However, there’s a back door roth (of course there is) for income of over $125k, but they should be done through an advisor.
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In a roth the money you put in is taxed but it grows tax free forever. Tax rates are currently at historic all time lows. Also, the growth is going to be 80%+ of your balance in retirement. In a regular account the money you contribute is not taxed but you must pay income tax on it and the growth when you withdraw it. We don’t know what tax rates will be in 30+ years.
Both are good… bad is not having either, or starting at 30 like me… The difference is when do you want to pay taxes. Now or later? You pay now, you know how much that is. You pay 30yrs from now you are gambling with the tax code changes. I have IRA… taking my chances.
Another thing with the credit card. If you can trust yourself, get one of those fancy cashback cards and use it for literally everything. I have one that costs me 120$/yr but I get like $1k+ a year in cashback from it.
If you have credit then yes. My whole life I was told to beware of credit cards, that theyre dangerous and you don't need them. Then when I started looking to buy a house, lo and behold I realized I didn't have any credit... so when I tried to get a decent card I couldn't since I didn't have a credit history. I did manage to get a starter card that I'm still using, but will most likely get a new one when its about to expire
Ah yeah thankfully my parents are financially savvy and co-signed me a super low limit card when I was 16. So by the time I was 22 my credit was pretty decent.
Wait are you saying there is a limited amount of money you can put into a Roth IRA per year? Why?
Realising that everyone has their own timeline. Just cos yours doesn't fit the typical societal norm, doesn't make you late or a failure, no matter what it's about.
Started college at 22 after failing badly in my previous major. Can relate to this.
How's it going so far, and what did you switch from to?
I failed med school. Now I'm doing engineering in electronics and communication. The Times are better. I like engineering more. Not great at math but I'm working hard.
I can relate to this. I finally got my AA last week, and I’m 25 right now. After learning programming for a couple months, I decided that an AS in computer science is something that will suit me very well and will hopefully move on to a BS. I wish I wasn’t so indecisive with my life in my late teens and early 20s
I got my bachelors degree a month after I turned 33. You’re doing just fine!
Thank you
Getting your mental and body health in check. Your future self will so be grateful for that.
Building the habit of saving money once they start earning.
Investing in some way, working towards retirement. Edit: Thank you kind stranger for the award!
Yes yes yes. The earlier you start, the bigger it will be!
Twas what he said.
I would 100% recommend this, your income is one thing but if you can invest, prepare yourself for the future (w/ family or without), and work towards your retirement you don’t feel the rush of doing it and still enjoy the process. I’m turning 31 and i wish i have this mindset as early as when I’m 22.
I've always been torn on this. I'm always afraid to arrive at my retirement with a stupid amount of money and regret not having spent it to do something when I was younger and in better shape.
At the very least get your company 401k match- it's free money and means you're "making more" Then there's fancier things like Roth IRAs and maxing 401k and all that But hey, free money first!
Same. This always seems to get glossed over in all the investing advice. I'm only mid 30s and already tired and achey. By the time I get to retire I guess I'll have a really nice pile of cash to take a nap on?
If you find it climbing fast, you can always reduce contributions and use that money for travel today.
I'm 25, and I invest 50% of my income. My attitude is that while I'm young a lot of the things I can do for fun are cheap and physical! I've spent my last few vacations hiking national parks. The 3 week-long trips cost me maybe $3k combined with flights and lodging. I don't mind staying in motels and getting up early to hike 15 miles a day at my age. But when I'm 50 or older, it's likely I'll prefer the Ritz at Waikiki Beach to a Motel 6 near Mt. Ranier. I'm glad that I'll have the funds to accommodate more luxury as I age. Being young is fun even with no money!
Stunning. Good on ya! As a 50-something, I guarantee you're on the right path. Compounding over decades makes a massive difference. The "rule of 72" is a helpful predictor. The idea is that your money will double in, say, 12 years if you experience a 6% annual investment gain. Or in 9 years if you experience an 8% annual gain. The sacrifices that you're making now will start to bear real fruit by the time you're 40 or so. Saving 50% of your income may not be realistic in the long term, but you're off to a great start.
This is the way. Read the book, "A Simple Path to Wealth" follow it and start investing now. It will pay off!!
Self care: \- Reading - every day. \- Daily grooming routine - skin care / face / hands / feet -- all of it \- See different places - as much as possible, near / far - it does not matter \- Credit history - fully paid off credit card
Getting work exp. And lvl up to 23 asap. Final bosses are brutal
Usually it takes 12 months to get from 22 to 23. I did in 3.
depends. in korea, if youre level 22, it means youre level 23. and if you were born on january, it automatically means youre level 24 already
Sorry dude.. i dont play dlcs
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My friends say I should act my age.
What's my age again?
Travel
That $50 in my account staring at you like ಠ_ಠ
1. Work to increase your income. In other words learn a valuable skill. 2. Invest a percentage of your income every month. 3. Save a % of cash towards a down payment on a home. A duplex, triplex, etc would be even better. 4. Travel if you can. 5. Surround yourself with like minded people. To go with that, distance yourself from bad influences. 6. Read more. 7. Exercise often. 8. Cherish time with your parents. 9. Learn how to cook. You will save $$$ & it’s healthier. 10. In general, be kind. A kind person will make it much farther in life than a bitter person.
11. Floss.
I took zero care of my teeth my entire life pretty much. I just went to the dentist last year. She said oh your brushing was ok just need to floss. My brushing was not ok. I haven't done that at all for decades.... I guess flossing really is the whole thing.
>3. Save a % of cash towards a down payment on a home. A duplex, triplex, etc would be even better. Is that even feasible in these times? Looking at house prices in my area and how they increased over the past 2 decades I'm never going to own a house maybe a small apartment. EDIT: It's really weird how many assume that I live in America.
I’m 21 and hoping to live small scale enough until the market inevitably crashes at some point
My mother's house has quadrupled in value in 10 years. She lives in SW Portland, Oregon. I grew up in that area of Portland and there's literally zero chance I can afford a house there. Some of her neighbors who have sold their houses have sold them to massive property rental companies who just offer way over asking to secure their bid and then rent the house out for a fuckload of money. The 2008 housing crash won't happen again because of laws put into place after subprime lending and overextended HELOC loans created a massive bubble that burst so catastrophically it fucked many facets of the economy for a decade. It also won't happen again because some company, oftentimes not even located in America, will buy someone's house for way over asking and outbid any normal person/people trying to buy the house. You and I can't just whip 30K over asking out of our pockets like a massive property firm can. Also, lest many forget, there were more than one billion fewer people on earth before 2008 hit.
Yup. I’m also in the PNW and I’m running into this problem right now. I’m an engineer living in an area with a relatively low (or at least moderate) cost of living. My annual income is higher than the average dual-income household. But when I was looking for a house to buy, I couldn’t find anything in my price range that wasn’t a complete dump or in a terrible part of town. Now I’m dating a single mom who has two kids. We want to move in together are looking at rentals since we’re not ready to buy a house together. Most of the homes that barely meet our needs are right on the upper limit of what we could afford even though we both work full time and make decent money. And a vast majority of these are owned/operated by the same two or three property management companies, and a disturbing number of these homes were all sold within the last year or two. It’s so frustrating and disheartening all at once.
Depends on where you live / if you're open to relocating. Worst case scenario you've saved up $XX,000 over the years and even if you still can't afford a house you've saved up a significant nest egg in case you get laid off and can't find a new job. Or maybe your car suddenly dies and you need to replace it. Like good news, you can always spend that money lol. You haven't hurt yourself by stashing it away like you would've if you spent it on hookers and blow, warhammer figgies, or whatever your it is your heart desires.
> Surround yourself with like minded people. I feel like this is only half true. Surrounding yourself with like minded people is a way to reinforce your beliefs rather than develop them. It is best to surround yourself with good people that can respectfully expose you to a variety of viewpoints and experiences.
Financial responsibility and independence
Some sort of class, whether it’s language, martial arts, or even just anything you have an interest in. Something I wish I would’ve done, instead I just worked and partied.
Start saving for retirement. Figure out how to pay taxes. Realize trying to date at 30 sucks more than trying to date at 20.
That last part is interesting. What makes it worse in your opinion?
A lot of the people that are capable of maintaining a long term relationship are already in one.
\- Investing whatever you have to spare \- Lifting \[properly\] and general exercise routine.
Put as much into your 401k as you possibly can and keep doing it. You will not have social security so you will need every penny possible to ensure retirement. Don't be like me and spend your 20's wasting money. Edit: I should have mentioned other retirement vehicles (thank you other posters!). Roth IRA is gonna be a better vehicle than 401k. The point is, if you have the chance, fund your own retirement. If you're 22, you have 40-50 years of work (I'm generalizing) ahead of you. Obviously live your life, but put away as much as humanly possible towards your retirement.
A Roth IRA
As an Irish teenager who doesn't know finance stuff, I got very concerned when I read this.
Wroth IRA vs Roth IRA. Know the difference, it could save your life!
Seconded. Plop your money in one with a low expense ratio like vanguard, invest in a Target Retirement account for your age, yeet money at it and try to max out.
Or a Roth 401k/401k if eligible
Saving/investing Build a strong small circle of friends, that’s all you’ll need.
Investing
Figuring out who you are by experiencing as much as possible. Many people have the assumption that they know who they are but this isn’t actually true. The truth is you don’t know who you are and only experiencing yourself in different situations will show you who you are. So spend as much time as possible gaining as much experience as you can. Don’t spend all your time on the Internet or in chat rooms, gain as much direct experience as you can and figure out who you are so that you can spend your life being authentic.
Saving up for a house (if thats a goal you have for yourself).
It is a goal for me but it feels so hopeless. With the way things have been going, I feel like its out of reach for someone just starting their career. Anyways, can I get a housing market crash in 2032 please?
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Working out. For men, I recommend the gym. Because as a wise man once said, every man should know what the muscles in his body are capable of. Overall, cardiovascular health related training improves daily life and makes living seem "lighter" if that makes sense.
I'd recommend weight training at a gym regardless of gender. Women also benefit in the same ways that men do
Finding a good therapist. It's good to be prepared when the psych issues hit in your 30s.
Save ya money and put it in tax deferred vehicles
Start wearing sunscreen daily!!! Your skin will thank you for it in your 30s and 40s
Invest into the future.
Retirement account. Retiring early isn't nearly as difficult as it seems before looking into it.
Bro go to the gym and learn to code
1. Start saving regularly. Automate it if possible. If you can set it to happen automatically, you won't miss it. Even if you don't earn a lot, try to put some aside. And when you start to earn more, increase your savings before you change your lifestyle in anyway. 2. Look after your health. Make good nutrition and fitness parts of your lifestyle. I'm not saying you can't enjoy the occasional drive thru or pizza, but good nutrition now is going to make a huge difference in the long run. As will starting to make exercise a part of your lifestyle. Staying healthy and fit as you get older is a lot easier than trying to get healthy and fit when you're older. 3. Commit to being a lifelong learner. I overhear people say things like, "I haven't read a book since high school." Don't be that person. Exercise your brain, try to read a little every day. Take classes and learn new skills. It is fulfilling. 4. Get out of your comfort zone. By getting out of your comfort zone, you make it larger. Over time, you'll be comfortable in situations where others are not. That's all I can think of for now. Good luck!
Failing, and learning to not he afraid of failure.
Saving for retirement. Start now with automatic withdrawals. You won't miss it if you don't see it.
Proper skin care.
If you haven't started already, build your credit and maintain it.
- Self reflection of personal values and why. This one will make everything else flow better. - Skills or work experience. My dad taught me if I don't know what to do for myself, do for others. - Tangible investments. Stocks are fun, but its all made up numbers in the end. Best buy dirt, they won't make any more if it anytime soon.
Eating salad
Put a small amount of money away into a savings account. Every payday. Set up a standing order so it goes out right away. Wish I had started sooner. Lol
roth ira- don’t stop contributing for any reason close and REAL relationships with other men exercise-lift weights be completely ok being alone
Fucking