7 Money Lessons I Wish Knew in My 20s! (The Step-by-Step Guide to Build Financial Freedom Faster)

二十岁我本应知道的7个理财课!(快速建立财务自由的步骤指南)

On Purpose with Jay Shetty

2025-08-22

28 分钟
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Did anyone ever teach you about money when you were younger? What’s one money mistake you made in your 20s? Today, Jay shares the financial lessons he wishes he knew in his twenties. Insights that don’t just change how you handle money, but how you understand it. Jay reveals that most people aren’t actually bad with money, they were simply never taught how to build a healthy, secure relationship with it. Jay explains how these dynamics affect our financial habits, emphasizing that real financial security begins with mindset and choices, not income. From challenging inherited money beliefs to addressing debt with clarity rather than fear, this episode offers a roadmap to move from financial stress to financial stability. In this episode, you'll learn: How to Shift from Avoiding Money to Owning It How to Build a Secure Relationship with Money How to Invest in Knowledge Before Assets How to Break Free from Financial Programming How to Simplify Your Finances When Overwhelmed Wealth isn’t about looking rich, it’s about living with intention, respecting yourself, and aligning your money with purpose. With Love and Gratitude, Jay Shetty Join over 750,000 people to receive my most transformative wisdom directly in your inbox every single week with my free newsletter. Subscribe here. What We Discuss: 00:00 Intro 01:01 Is It Too Late to Learn Financial Literacy? 04:18 Myth: Money is the Root of All Evil 05:31 #1: It's About Good Decisions, Not Income 08:20 #2: You Can't Save What You Don't Have 11:26 #3: Buying More Won’t Build Wealth 17:14 #4: Don't Avoid Debt Education 18:25 #5: You're Not Lazy You’re Just Overwhelmed 19:56 #6: Where Did You Get Your Money Beliefs? 23:52 #7: Generosity Multiplies Wealth See omnystudio.com/listener for privacy information.
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  • You're not bad with money, you were just never taught how to use it.

  • You were taught how to earn it, not how to grow it.

  • You were taught how to spend it, but not how to invest it.

  • You were taught to chase it, not how to make it work for you.

  • You weren't taught about investing, only about surviving.

  • And it's not your fault you didn't know, but it's your power to learn now.

  • Hey everyone, welcome back to On Purpose.

  • I'm Jay Shetty and I'm so deeply grateful that you tuned in.

  • I hope that you've subscribed so that you never miss an episode and make sure you keep tagging me on Instagram and TikTok and all your platforms.

  • I love seeing the clips and the parts that resonate with you and I love the community we're building.

  • Now today's episode is about something that I believe is so important.

  • It's everything I wish I knew about money in my 20s.

  • Now, whether you're in your 20s, 30s, 40s or 50s,

  • this episode still applies

  • because I believe that financial literacy is something we all learn far too late.

  • It's something that some of us never learn at all.

  • I'm sure you've had some challenges with this.

  • Whether it's been credit card payments, whether it's been debt,

  • whether it's been understanding how to make money or grow money,

  • whether it's understanding, do I need a side hustle?