The Solution to All of Your Financial Problems in Your 20s

I have the solution for all of your financial problems in your 20s. Before I give it to you, I’m going to make you wait. There’s nothing wrong with being a tease, right?

I have a news flash for everyone in their 20s when it comes to money and life…

We all do dumb shit. Sometimes we realize it. Other times we have no clue how dumb our actions really are.

According to a study I found on the website of Duke University, it was revealed that men are horny. Yes, it’s true. Do You believe that?

Alright all kidding aside, men being horny is not breaking news. What is news, is that apparently we are much different when we are horny (in other words, we do dumb stuff). Check this out…

“Specifically, the increase in motivation to have sex produced by sexual arousal seems to decrease the relative importance of other considerations such as behaving ethically toward a potential sexual partner or protecting oneself against unwanted pregnancy or sexually transmitted diseases.”

Kind of scary, huh? I won’t comment any further on those findings. I will compare this study to using credit cards, wasting money, and some of the other dumb things that we do with our money and life in our 20s.

What are some of the other stupid things that we all do?

  • Spend money that we don’t have.
  • Work a job that we hate.
  • Buy things we think we need.
  • Put up drunk pictures on Facebook.
  • Get into massive amounts of debt.
  • Let our time slip away while we forget about our dreams.

What’s the point of all of this?

Education and motivation are not the answers to all of our problems. We all do dumb shit without even realizing it. This happens to me all of the time. I do something really dumb (I recently blurted out something totally inappropriate in public) and then I don’t realize it until much later. I would like to think that I’m educated and motivated. Yet I still do idiotic stuff.

There’s more than enough information out there. Do you want to know how to lose weight? Push some iron and eat good food. It’s that simple. Do you want to know how to save more money? Save more than you spend.

We all know what we need to do. There’s more than enough educational resources out there. I’d also like to assume that plenty of us are motivated enough to work on our goals.

How can you prevent yourself from doing something completely stupid stuff?

We need to setup barriers that prevent us from sub-conciously doing stupid shit.

It’s not about will power. It’s about barriers and using basic psychology on ourselves.

I shared how I saved over $4,000 VERY passively. Without even thinking abut it or doing any work, I setup a simple system to save up over four grand. What was the barrier for accessing this money? I had to find the number of the company, call them, and answer a bunch of questions if I wanted to access any of this money.

Do you set ridiculous goals and then never follow up?

At the end of the day we need to work with our weaknesses. We can’t change our behavior overnight.

On the bright side, we can create systems and use tools that will prevent us from being able to make foolish decisions.

So what’s the solution to all of your financial problems in your 20s?

Accept that you’ll make mistakes and learn how to use basic psychology on yourself. Create barriers for your weak spots, prepare for your mistakes, and accept that we’re all bound to mess up at some point.

Now you know what you need to do. A few of you will actually do something. The majority of the people that read this will just continue complaining about the economy. Which one will you be?

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