Advice for people in their early 20s: > If you can live at home with your parents then would highly recommend this to minimise expenses. > If you cannot do this opt for a shit apartment with a mattress on the floor and live monk mode or split costs between numerous tenants. > Minimise your expenses as much as possible and aim to bank roll minimum $10-40k. > Build an online business that can generate $3-5k/month as a side hussle this isn't as difficult as it sounds and you have chatgpt at your disposal. > If you have a high paying job live well below your means to build the biggest bank roll you can. Relentlessly focus on becoming the best at your trade and ensure it is high paying. > Learn investing. Do not over trade. Buy and hold quality assets on any market crashes. Allocate 80% of bank roll here. > Have 20% for extremely high risk opportunities acting as lottery tickets. May go to zero but one may pay off and change your life. The system is stacked against you. Taxes and increasing cost of getting on the property ladder is not designed to make you wealthy. It's designed to keep you poor. The hardest money you will ever make if your first $100k. You will not get here in a straight line and mistakes you make will give you the skills to be profitable for the rest of your life. I repeat. The system is stacked against you. Its not designed to let you win. Its designed to keep you at the just above poverty line. Go forth and win.

Debt and wage slavery is real. The only actual freedom in this world comes through wealth. Unless you decide to retire in the woods this is an inescapable part of reality.