Zainab Khanam

The Smartest Financial Decisions To Make In Your 20s

Create A Budget & Track Your Expenses

Knowing where your money goes helps you control spending and save wisely.

Build An Emergency Fund

Aim for 3-6 months of living expenses to stay financially secure during unexpected situations.

Start Investing Early

The earlier you invest, the more your money grows. Consider stocks, mutual funds, or index funds.

Avoid Credit Card Debt

Use credit wisely—pay off balances in full to avoid high interest and bad credit scores.

Save For Retirement Now

Start contributing to a retirement fund early—your future self will thank you!

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Live Below Your Means

Avoid lifestyle inflation. Just because you earn more doesn’t mean you should spend more.

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Develop Multiple Income Streams

Side hustles, freelancing, or passive income can give you financial flexibility.

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Invest In Yourself

Enhance your skills, education, and knowledge—it pays off in the long run.

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Breaking Free From Self-Sabotage.