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Most startup advice is also good advice for 20-somethings.

Get to an MVP quickly: Find a way to practice your target profession as soon as possible. (Don't spend hundreds of thousands getting a law degree just to discover you hate the actual work.) This is easy for programmers: just start building stuff before applying to the CS program.

After MVP, iterate quickly: So you know Ruby? Time to learn another language, or about compilers, or about web typography, or about finance. Don't stand still.

Be ready to pivot: If you discover you find your work unfulfilling, the time to change is now. Don't wait to switch careers until your 40s.

Don't prematurely optimize: Your 20s should be about gaining skills and experience, not about getting big paychecks. The best paying job a 20 year old can get might be in construction or the military, but this may limit your upside down the road.



The best paying job a 20 year old can get might be in construction or the military, but this may limit your upside down the road.

From a purely financial perspective, money now is better than money later though. A 20 year old who secures a job that nets him enough to save $15,000 per year until retirement will ultimately have a lifetime net savings of about the same as someone who finally finds a job that pays enough to save $50,000 per year at the age of 40.


And as for the military, cashing out at twenty years of service with a $47,000 annual pension (starting immediately and inflation-adjusted over time) plus the G.I. Bill is not a bad deal at all.

The downside is that you have to be in the military for 20 years.




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