What do you advice your 20-year old self?

I had a busy and so much fun weekend.

We had joined the fun run in MOA for an 8K run.

Then, me and my wife visited Chinatown in Binondo to taste different Chinese foods and drink my favorite sugarcane juice.

How about you? How’s your weekend?


There are times that I’m looking back in my past to see the good and bad things that I did.

Most of the time, I was focused in the days during my 20s because this is the most subtle event in our life.

This is the time that you will need to look for a job and face the real world outside school.

Also, this will be the start of your financial journey.

Then, I stopped for a while and had a deep thought, “what will be my best advice to my 20-year old self to be more successful in the future“?

Here it is…

  1. Limit purchasing materials things such as a new gadget or smartphone.

These things will only give you temporary happiness and will be depreciated over time.

Your money will lose its value in the process.

You have to spend on things that will matter to your life and will increase in value like a piece of land or a property.

  1. Learn how the money works.

You need to find ways on how you will understand financial literacy.

Learn how to manage your finances, how to invest and explore entrepreneurship.

These things were not discussed in schools or at home.

  1. That’s good; it’s ok to make mistakes.

Don’t be afraid to take calculated risk, make mistakes and to fail.

You will learn valuable things from that experiences which will help you succeed in life.

This will also help you to become a better version of yourself.

  1. Start building relationship with people who will support you.

As Jim Rohn says, “you are the average of the 5 persons you spend most of your time with”.

Try to connect with people who you want to be in the future or like-minded persons who will help each to achieve their goals.

Open your hands to be of help to all the people around you using your unique talents and skills.

  1. Focus on improving yourself always.

The money that you will earn is equivalent to the value that you give to your company or the people you serve.

Reading books be your habits. Attend seminars or take courses that interest you.

Don’t worry about the money that you will spend on these things.

Rewards and return of investments will overflow in the future.

  1. Believe in yourself.

Have the courage to pursue the things you want in life.

You have your unique God-given talents and skills that you can use to achieve your goals and dreams in life.

Stay away from negative people.

Believe in yourself that you can attain anything you want to achieve in life.

  1. Lastly, life is too short to live in fear.

Mark Twain says, “Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do.”

If you failed, you still have a lot of energy and time to pick yourself up and try again until you succeed.

You have to take action in achieving your dreams despite fear.

The more you take action, the luckier you get.

How about you?

What’s the best advice that you will give your 20-year old self?

To your financial success,

Marvin Basa

About The Author

Marvin Basa

Marvin Basa is a financial literacy advocate who helps Pinoys to have successful financial lives.


  • Joe

    Reply Reply January 31, 2017

    My advice would be…work, save, invest, enjoy, repeat!

  • I’m in my late 20’s and slowly learning financial literacy. Currently, I’m diligently allotting a portion of my money for emergency fund. Setting aside a portion of my salary into my savings account is difficult at first but I successfully make it a habit now. Anyhow, my mantra for a moment is save, save, save then invest after.

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