Hi everyone! I got so passionate about Monday's post. Did you enjoy it?

I thought to talk about another topic I care about: how to invest in your 20s. I've always wanted someone to teach me how to invest part of my money for my future. So now that I'm about to end my 20s, I thought to share what I've learned with you.

Tip 1: invest in yourself first

I started working at 24, and I was excited to get my paychecks! In the beginning, I made sure to spoil myself. So, I bought a little gift to celebrate this important milestone. It's completely normal to get excited, splurge, and spend your money, especially with the first paychecks. After the initial months, I started thinking about my future and decided to open a pension fund. It's where I put a fixed percentage of my monthly paycheck to finance my retirement. I'm so glad I've started so early because this way, I have more time to invest my money in this fund and more chances to guarantee a better retirement.

So, I recommend the pension fund as my first tip to start investing in your 20s. Of course, you can get information from your HR department or the internet. Still, it's something that I would repeat a million times. Have you ever considered starting investing in yourself through a pension fund?

Tip 2: have a backup plan

The second tip is challenging because I'm still struggling, even after five years of working. Saving money for emergencies is crucial, just to have a backup plan. I know that it might be tough to save money if you begin your career and live all by yourself. I used to try all the different techniques: a fixed percentage of the paycheck, a fixed amount per week, all the money left from the month. For me, it's just impossible for now because my salary is perfect for the lifestyle I have, and I can't save money. But, there are some months during the year when I can keep part of my salary and save it. During these months, I make sure to put away a significant amount. This way, I don't get frustrated, reach my goal, and reduce my anxiety. I know that money can stress you out as much as anything else. It's okay if you struggle with finances, especially in your 20s.

Tip 3: try to make a passive income

I saved the third tip lastly because it's something I want to approach this year and I've never done before. I want to invest in something that can make a profit to have a passive income out of this kind of investment. I thought to start with the apps and a small amount of money, but I can't trust them as much as I would. So I instead want to rely on some expert. You can reach your bank to ask for advice, and the consultants can manage all of the operations for you. This way, I feel more secure. Have you ever used a trading app? What was your experience?

Do you have other tips and tricks? Tell me in the comments below!