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What should one do in their 20s to avoid regrets in their 30s and 40s?


I believe there are two aspect of life which matters most in 20s and in 99% case going forward in 30-lifetime journey of ourselves and even of children. These two things lies among top priorities.

1. Social life involving family, relation and friends

2. Financial life that involves your job, business, investment not only in term of money but in terms of skills as well that have potential to generate financial result in future.

In 20s we build new relations,our relation, our connections. We don’t inherit them or came across them as some distant family relation but we choose people whom we are going to be with, under banner of friends, colleague, GF, BF, Wife, Husband etc. Before this age I think we mostly have a limited set of people around us. Most of them are somewhat connections of our parents and family that they have built in their life span. We hardly get exposed to complete stranger and who can a be grt friend or companion down the time. Stay away from strangers, thats what we are taught. We starts breaking this mindset in our early 20s. So we actually build foundation of our social life. we feel hurt, we learn and fell rejoiced with people whom we choose to be around us. Can’t blame or credit any one other. We live Its my life slogan !!


20s is also most important time when we build foundation of our financial life. We learn skill that helps us in making money. My money. Mine Earned money. we taste how its like to earn and spend that. We start understanding value of money. We plan future with that small saving only. Every thing seems achievable for us in upcoming days with the job. buying house, gifting things to parents and relatives, fun with family and friends, having a nice car and a financially protected future. we starts feeling responsible and accountable.

To avoid regret in future one must take these two things seriously. Be cautious and always take your own decision in these regards. Take time, listen to others but ultimately you must take decision by your own self. If decision will be yours you will never regret. No matters if that decision turn out wrong one, you will learn from your mistake, you will have experience but you will never regret. If you will have capability to take decision on your own you will learn to have responsibility of that as well. This will help you in future, even if odds are in not in your favor, you will sail across that.

From financial prospective don’t rely on creating one particular source of income. never. I will prefer to work on a pipeline that will act as residual income for you. If you give 5 year of effort to build the pipeline as passive income source you will never regret this in your future. You will be independent from the corporate where people trade their time for money. Jobs are vulnerable to market condition. This asset will not only strengthen your financial life but also will helps your children and wife if in any case you can’t be with them in future. They will get benefit of your 4–5 year of effort in their lifetime. Amazing isn’t it !!

3 thoughts on “What should one do in their 20s to avoid regrets in their 30s and 40s?

  1. My 20s

    I spent most of my 20s having an extended childhood.

    I dropped out of college because I was taking courses to impress my parents.

    I was the manager of a comic book store, because I loved comics and all my friends hung out there. Then I figured out there was no money in comic book stores so I got a “real” job and found out there wasn’t really much money there either.

    My nights were filled with visits to clubs, hanging out with friends, playing video games and just enjoying life.

    I had a lot of fun in my 20s but near the end of the decade I realized that I wasn’t doing what I was meant to do. Somewhere along the road I took a detour and I needed to correct my course.

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