{"id":3483,"date":"2020-12-23T00:00:00","date_gmt":"2020-12-22T23:00:00","guid":{"rendered":"https:\/\/cowrywise.com\/blog\/?p=3483"},"modified":"2022-09-09T10:58:18","modified_gmt":"2022-09-09T09:58:18","slug":"how-to-save-and-invest-in-your-twenties","status":"publish","type":"post","link":"https:\/\/cowrywise.com\/blog\/how-to-save-and-invest-in-your-twenties\/","title":{"rendered":"How to Save and Invest Money in Your Twenties"},"content":{"rendered":"\n<p>On October 4<sup>th<\/sup>, 2020, Laura, a twenty-one-year-old lady shared a picture on Twitter. This was, however, a very unusual picture. She was bent beside a fridge and her words \u201cMy very own fridge&#8230;\u201d got more attention than she envisioned.&nbsp;<\/p>\n\n\n\n<p>There were a number of harsh comments about how little her accomplishment was but thankfully, most people were kind. Some even went out of their way to purchase other items for her and now her home is set up with other appliances.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"embed-container\"><blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">My very own fridge..???thank you Jesus <a href=\"https:\/\/t.co\/VqF03dur1w\">pic.twitter.com\/VqF03dur1w<\/a><\/p>&mdash; Laura (@lauragaga1_) <a href=\"https:\/\/twitter.com\/lauragaga1_\/status\/1312699375177654274?ref_src=twsrc%5Etfw\">October 4, 2020<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/div>\n<\/div><\/figure>\n\n\n\n<p>Her story is not only inspiring but is a testament that young people are more determined to gradually build a better life for themselves. It doesn\u2019t matter if it begins with a fridge.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>A Strategic Youth<\/strong><\/h2>\n\n\n\n<p>A comment on one of our posts strengthens this belief.<\/p>\n\n\n\n<p><em>I have worked for the same company, JPS, since March 2018 and that is three months after my youth service. And I have enjoyed my time here. There are opportunities for progress and I agree with all that is said in this post.<\/em><\/p>\n\n\n\n<p><em>I was promoted and moved to a different unit after a year of work. It is really interesting how much I have achieved in my two and a half years here. I have moved out of my parents&#8217; place to rent an apartment, and I\u2019m working on a few investment opportunities which I believe will move me closer to an HNWI in the nearest future.<\/em><\/p>\n\n\n\n<p><em>Adebayo<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/my.cowrywise.com\/mutual-funds?utm_source=blog&amp;utm_medium=in_article&amp;utm_campaign=mutual_funds_organic\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"222\" src=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/Money-management-breakers-09-1024x222.png\" alt=\"\" class=\"wp-image-4215\" srcset=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/Money-management-breakers-09-1024x222.png 1024w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/Money-management-breakers-09-300x65.png 300w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/Money-management-breakers-09-768x167.png 768w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/Money-management-breakers-09-1536x333.png 1536w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/Money-management-breakers-09-2048x444.png 2048w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/Money-management-breakers-09-360x78.png 360w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/Money-management-breakers-09-150x33.png 150w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why are young people becoming more responsible?<\/strong><\/h2>\n\n\n\n<p>There are a number of reasons why people in their twenties are learning how to save and invest their money. Young people becoming more financially responsible might be because they want to do better than their parents in terms of planning for the future. Unlike what it used to be, they\u2019re arming themselves with relevant information that helps break down how money works and then implementing the relevant actions.<\/p>\n\n\n\n<p><a href=\"https:\/\/cowrywise.com\/blog\/secrets-rules-wealth-creation\/\">Wealth creation<\/a> seems possible when you start early, no matter how little. The special \u201cphone pressing\u201d generation does not intend to use their children or family as a retirement or money plan.<\/p>\n\n\n\n<p>They thrive in freedom and that includes financial freedom. Though not everyone is where they want to be yet, a lot of people are planning so that there will be no <em>stories that touch<\/em> when they become elderly.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Cowrywise Data to support our belief<\/strong><\/h2>\n\n\n\n<p>Almost 70% of people who save and invest on Cowrywise are between the ages of twenty-one and thirty.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"640\" src=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/08\/cowrywise-user-age-distribution-1024x640.png\" alt=\"cowrywise user age distribution infographic\" class=\"wp-image-8289\" srcset=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/08\/cowrywise-user-age-distribution-1024x640.png 1024w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/08\/cowrywise-user-age-distribution-300x188.png 300w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/08\/cowrywise-user-age-distribution-768x480.png 768w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/08\/cowrywise-user-age-distribution-1536x960.png 1536w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/08\/cowrywise-user-age-distribution-360x225.png 360w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/08\/cowrywise-user-age-distribution.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>This is proof that young people are <em>adulting<\/em> and taking charge of their finances as much as they can. At Cowrywise, we want even more young people to imbibe the right money habits that will lead to financial stability and the freedom they so desire.<\/p>\n\n\n\n<p>In addition to signing up on Cowrywise and creating savings and investment plans, we curated strategic questions that any young person can answer as a way of measuring where they are right now and how they intend to get to financial freedom.<\/p>\n\n\n\n<p>These questions were first asked in an article on <a href=\"https:\/\/cowrywise.com\/blog\/how-to-build-wealth-with-a-9-to-5\/\">how to build wealth as an employee<\/a>. However, here we\u2019ll expand the questions to aid your understanding of how to save and invest as a young person.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Relevant Questions to Measure your Personal Finances Awareness<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What do you currently earn monthly?<\/strong><\/h3>\n\n\n\n<p>If you\u2019re an employee, this might go beyond what you earn monthly.<\/p>\n\n\n\n<p>Document all the places money comes from. Side-hustles, upkeep (if you still get this) and monetary gifts should be included.<\/p>\n\n\n\n<p>This helps you get a clear picture of your total income per month. This will be dynamic for full-time entrepreneurs but it helps when you at least have an idea.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Do you create a budget and do you stick to it?<\/strong><\/h3>\n\n\n\n<p>Now that you\u2019re clear on what you earn per month, it\u2019s time to go the extra mile.<\/p>\n\n\n\n<p><em>Budget: An estimate of income and expenditure for a set period of time.<\/em><\/p>\n\n\n\n<p>Budgeting is one of the most basic and efficient ways of managing your money.<\/p>\n\n\n\n<p>There is a personal finance rule of thumb that states that you should <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\"><a href=\"https:\/\/cowrywise.com\/blog\/much-my-money-should-save-invest\/\">spread your funds<\/a><\/mark> into three parts.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/08\/50-30-20-saving-ratio-infographic-1024x576.png\" alt=\"50-30-20 saving ratio infographic\" class=\"wp-image-8290\" srcset=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/08\/50-30-20-saving-ratio-infographic-1024x576.png 1024w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/08\/50-30-20-saving-ratio-infographic-300x169.png 300w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/08\/50-30-20-saving-ratio-infographic-768x432.png 768w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/08\/50-30-20-saving-ratio-infographic-1536x864.png 1536w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/08\/50-30-20-saving-ratio-infographic-360x203.png 360w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2022\/08\/50-30-20-saving-ratio-infographic.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>These three parts follow a 50:30:20 ratio. Where 50% is budgeted for your necessities, 30% is set aside for your lifestyle choices and the final 20% is for your short and long-term financial plans. Though this may not fit all circumstances, it serves as a starting point for cultivating a disciplined financial game plan.<\/p>\n\n\n\n<p>The trick is to first note what you spend your money on and then create a budget that fits your lifestyle. Taking note of how you spend your money will help you know what to cut down on or increase in your budget.<\/p>\n\n\n\n<p>Say you spend way more than you realized on fast food, you can create a budget that only allows you to spend a limited amount of money on fast food. While you increase the amount spent on foodstuff for home-cooked meals.<\/p>\n\n\n\n<p>You should create your budget before and not after your money comes in and a simple one can have items like:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Debt repayment<\/li><li>Savings<\/li><li>&nbsp;Emergency fund<\/li><li>Monetary support to parents<\/li><li>&nbsp;Foodstuff<\/li><li>Purchased food<\/li><li>&nbsp;Professional dues<\/li><li>Transportation to work<\/li><li>Transportation elsewhere<\/li><li>Groceries<\/li><li>&nbsp;Airtime<\/li><li>Data<\/li><li>Entertainment (e.g. Apple Music\/Spotify, DSTV\/GOTV)<\/li><li>Social (time out with friends)<\/li><\/ul>\n\n\n\n<p>Make it as realistic as possible so that you can actually stick to it.<\/p>\n\n\n\n<p>One important thing a budget also does for you is that it helps you to be able to say \u201cI can\u2019t afford it\u201d unashamedly. When something impromptu comes up that doesn\u2019t add to your bottom line, you\u2019re able to move it to your next budget or do away with it altogether.<\/p>\n\n\n<div class=\"shortcode-block\">    <div class=\"inhype-postline-block-wrapper\">\n      <div class=\"container\">\n        <div class=\"row\">\n          <div class=\"inhype-postline-block inhype-postline-block-58332 inhype-block clearfix\">\n            <div class=\"owl-carousel\">\n            \n                  <div class=\"inhype-post\">\n                    <div class=\"inhype-postline-block-content\">\n\n                      <div class=\"inhype-postline-details\">\n                        <div class=\"post-categories\"><a href=\"https:\/\/cowrywise.com\/blog\/money-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Money Tips<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/saving-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Savings<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/cowrywise-updates\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Updates<\/span><\/a><\/div>\n                        <h3 class=\"post-title\"><a href=\"https:\/\/cowrywise.com\/blog\/emergency-fund\/\">[NEW] Introducing Emergency Fund: Stay Ahead of Life<\/a><\/h3>\n                                                <div class=\"post-date\"><time class=\"entry-date published updated\" datetime=\"2020-07-04T11:08:36+01:00\">July 4, 2020<\/time><\/div>\n                                              <\/div>\n\n                                            <a href=\"https:\/\/cowrywise.com\/blog\/emergency-fund\/\" class=\"inhype-post-image-link\">\n                        <div class=\"inhype-post-image\" data-style=\"background-image: url(https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2020\/07\/cowrywise-emergency-funds-savings.jpg);\"><\/div>\n                      <\/a>\n                                          <\/div>\n                  <\/div>\n            \n                  <div class=\"inhype-post\">\n                    <div class=\"inhype-postline-block-content\">\n\n                      <div class=\"inhype-postline-details\">\n                        <div class=\"post-categories\"><a href=\"https:\/\/cowrywise.com\/blog\/investment-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Investing<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/money-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Money Tips<\/span><\/a><\/div>\n                        <h3 class=\"post-title\"><a href=\"https:\/\/cowrywise.com\/blog\/mutual-funds-september-2021\/\">Market Slice: News on the e-Naira and the top performing mutual funds in September 2021<\/a><\/h3>\n                                                <div class=\"post-date\"><time class=\"entry-date published updated\" datetime=\"2021-10-20T16:29:18+01:00\">October 20, 2021<\/time><\/div>\n                                              <\/div>\n\n                                            <a href=\"https:\/\/cowrywise.com\/blog\/mutual-funds-september-2021\/\" class=\"inhype-post-image-link\">\n                        <div class=\"inhype-post-image\" data-style=\"background-image: url(https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2021\/10\/illustrations_September.jpg);\"><\/div>\n                      <\/a>\n                                          <\/div>\n                  <\/div>\n                        <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n    <\/div>\n\n\n\n<p>Want to really hack how to save and invest? Begin here!<\/p>\n\n\n\n<p>Your budget teaches you to say <em>no<\/em> to certain things, which is actually a very good habit to imbibe as a young person.<\/p>\n\n\n\n<p>It will also help you say goodbye to peer pressure.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Do you save at least 10% of your income regularly?<\/strong><\/h3>\n\n\n\n<p>In the classic personal finance book, <a href=\"https:\/\/cowrywise.com\/blog\/richest-man-in-babylon\/\">The Richest Man in Babylon<\/a>, George Samuel Clason advises that you save at least 10% of your monthly income.<\/p>\n\n\n\n<p>A number of people think that saving is hard because <em>\u201cthe money is not enough, why then should I be removing from it again?\u201d<\/em><\/p>\n\n\n\n<p>However, you should see saving 10% of your income as paying yourself or paying your future self, if that is more encouraging.<\/p>\n\n\n\n<p>If you don\u2019t save, what it means is that you pay everyone else apart from yourself.<\/p>\n\n\n\n<p>You pay the cab man for transiting you from one place to the other.<\/p>\n\n\n\n<p>You pay the cashier for your groceries.<\/p>\n\n\n\n<p>For your airtime and data, you pay the telcos.<\/p>\n\n\n\n<p>You pay\u2026you get the point.<\/p>\n\n\n\n<p>Although you\u2019re the constant factor in all these cases, you\u2019re actually not paying yourself.<\/p>\n\n\n\n<p>Saving your money safely and consistently allows you to decide what you want to do with it when it compounds. It is yours and not anyone else\u2019s.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/my.cowrywise.com\/create-regular-plan?utm_source=blog&amp;utm_medium=in_article&amp;utm_campaign=regular_savings_organic\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"222\" src=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/Money-management-breakers-03-1024x222.png\" alt=\"\" class=\"wp-image-4211\" srcset=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/Money-management-breakers-03-1024x222.png 1024w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/Money-management-breakers-03-300x65.png 300w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/Money-management-breakers-03-768x167.png 768w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/Money-management-breakers-03-1536x333.png 1536w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/Money-management-breakers-03-2048x444.png 2048w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/Money-management-breakers-03-360x78.png 360w, https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/Money-management-breakers-03-150x33.png 150w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>To get your money to produce more, do you invest?<\/strong><\/h3>\n\n\n\n<p>With a Cowrywise account, saving your money is a kind of investment \u2013 much better than when you leave it at the bank.<\/p>\n\n\n\n<p>However, in the long run, you will want to go beyond saving to investing and Cowrywise has investment options you can get started with.&nbsp;<\/p>\n\n\n\n<p>Best part?&nbsp; You don&#8217;t need to have a lot of money before you can have access to investments. Opportunities are now much more easily accessible.<\/p>\n\n\n\n<p><em>Invest: to put (money) into financial schemes, shares, property, or a commercial venture with the expectation of achieving a profit.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Do you educate yourself about the different investment opportunities?<\/strong><\/h3>\n\n\n\n<p>There are many investment opportunities to pick from.<\/p>\n\n\n\n<p>The good thing with investing with Cowrywise is that you can choose from different mutual funds investment options like:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Fixed Income Fund<\/li><li>Money Market Fund<\/li><li>Eurobond (Dollar) Fund<\/li><li>Equity Funds<\/li><li>Balanced Fund<\/li><li>Ethical Fund<\/li><\/ul>\n\n\n\n<p>You no longer need to worry about finding these opportunities individually as you can simply choose which ones are best for you at different times.&nbsp;<\/p>\n\n\n\n<p>A great way to begin is to make your decision based on your risk appetite. On Cowrywise, you take a simple test that shows if you\u2019re a Conservative, Balanced or Aggressive investor. Your result then influences the investment types that are recommended. You are, however, able to still choose from all the options on the app.<\/p>\n\n\n\n<p>The next step is very crucial because we\u2019re about you multiplying your money, but not in schemes that are out to cheat you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Are you aware of the danger of Ponzi schemes that promise to grow your money like grass?<\/strong><\/h3>\n\n\n\n<p>As you learn how to save and invest, you should also learn how not to save and invest!<\/p>\n\n\n\n<p>When you see \u201copportunities\u201d that will \u201cgrow your money like grass\u201d, <strong>run<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"embed-container\"><blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">No magic formula exists. Save more, invest prudently, take a long term view, give time to compound and have patience. This is the workable formula.<\/p>&mdash; D.Muthukrishnan (@dmuthuk) <a href=\"https:\/\/twitter.com\/dmuthuk\/status\/1338638376098926593?ref_src=twsrc%5Etfw\">December 15, 2020<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/div>\n<\/div><\/figure>\n\n\n\n<p>At Cowrywise, we are never ashamed to say that we do not \u201cdouble your money\u201d in a few days. The returns on our savings plans always reflect the current market performance for considerably low-risk instruments in order to secure your funds.<\/p>\n\n\n\n<p>We&#8217;re also constantly looking at ways to increase your access to assets that can help you reach your money goals. This is what you should look out for when choosing investment options. Be mindful not to jump at investments with get-rich-quick \u201creturns\u201d. Instead, focus on the long term and consider security and sustainability too.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How do you intend to increase your income?<\/strong><\/h3>\n\n\n\n<p>In other words, how do you plan on making more than your current income? Will you get high-valued skills to increase your market value in the corporate world?<\/p>\n\n\n\n<p>LinkedIn listed Creativity, Persuasion, Collaboration, Adaptability, and Emotional Intelligence as the top five soft skills for 2020. While Blockchain, Cloud Computing, Analytical Reasoning, Artificial Intelligence, UX Design, Business Analysis, Affiliate Marketing, Sales, Scientific Computing, and Video Production are the top ten hard skills for 2020.<\/p>\n\n\n\n<p>The world keeps evolving and certain skills continue to rise in demand. A simple trick is to merge something you enjoy doing with a high-valued skill so that it feels like you\u2019re making a profit from your passion. ?<\/p>\n\n\n\n<p>In summary, your skill is the currency of the 21st century.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Will you diversify in business in order to boost sales?<\/h3>\n\n\n\n<p>If you\u2019re a full-time entrepreneur and you have only one line of business, you should think about diversifying. You can do this by adding additional products or services to your business offerings. Or you can sell your expertise by training\/coaching newbies on how to start and scale in your industry. Remember that the sky is big enough for every bird to fly and there will be people who want to learn from you. That\u2019s a source of extra income in business.<\/p>\n\n\n\n<p>Increasing your income requires you to take strategic actions. You can\u2019t grow your money if you do not intend to deliberately increase your income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Are you planning for retirement?<\/h3>\n\n\n\n<p>Should you plan for retirement right now that you&#8217;re still living the <em>baby-girl<\/em> or <em>baby-boy <\/em>life? The answer is a big YES!<\/p>\n\n\n\n<p><a href=\"https:\/\/cowrywise.com\/blog\/retirement-planning-in-nigeria\/\">Planning for retirement<\/a> is a lifelong endeavour and the best way to go about it is to start early. Arm yourself with proper information now that you&#8217;re young. This is so that you can continue to fend for yourself even when you&#8217;re old and grey. <\/p>\n\n\n\n<p>In your twenties, you should have at least 1x of your annual salary as your retirement savings. So say you make \u20a61,500,000 annually (\u20a6125,000 per month), you should then have that annual income saved for retirement. <\/p>\n\n\n\n<p>The numbers increase as you get older but this is a simple and practical savings guide you can use to plan for retirement. <a href=\"https:\/\/my.cowrywise.com\/plans\/goals\/choose-goal?utm_source=blog&amp;utm_medium=in_article&amp;utm_campaign=goals_organic\" target=\"_blank\" rel=\"noreferrer noopener\">Our Retirement Life Goal<\/a> also gives you the opportunity to begin your retirement plan so that you can remain a <i>baby girl<\/i> or <span style=\"background-color: rgba(58, 63, 66, 0.2);\"><i>baby bo<\/i><\/span><em>y<\/em> for life.<\/p>\n\n\n<div class=\"shortcode-block\">    <div class=\"inhype-postline-block-wrapper\">\n      <div class=\"container\">\n        <div class=\"row\">\n          <div class=\"inhype-postline-block inhype-postline-block-23629 inhype-block clearfix\">\n            <div class=\"owl-carousel\">\n            \n                  <div class=\"inhype-post\">\n                    <div class=\"inhype-postline-block-content\">\n\n                      <div class=\"inhype-postline-details\">\n                        <div class=\"post-categories\"><a href=\"https:\/\/cowrywise.com\/blog\/money-guides-and-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Guides<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/stories\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Stories<\/span><\/a><\/div>\n                        <h3 class=\"post-title\"><a href=\"https:\/\/cowrywise.com\/blog\/10-best-cities-to-retire\/\">10 Best Cities to Retire<\/a><\/h3>\n                                                <div class=\"post-date\"><time class=\"entry-date published updated\" datetime=\"2024-02-29T20:55:00+01:00\">February 29, 2024<\/time><\/div>\n                                              <\/div>\n\n                                            <a href=\"https:\/\/cowrywise.com\/blog\/10-best-cities-to-retire\/\" class=\"inhype-post-image-link\">\n                        <div class=\"inhype-post-image\" data-style=\"background-image: url(https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2023\/03\/Retirement-City.png);\"><\/div>\n                      <\/a>\n                                          <\/div>\n                  <\/div>\n            \n                  <div class=\"inhype-post\">\n                    <div class=\"inhype-postline-block-content\">\n\n                      <div class=\"inhype-postline-details\">\n                        <div class=\"post-categories\"><a href=\"https:\/\/cowrywise.com\/blog\/expert-piece\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Expert Piece<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/money-guides-and-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Guides<\/span><\/a><a href=\"https:\/\/cowrywise.com\/blog\/investment-tips\/\"><span class=\"cat-dot\" data-style=\"background-color: #000000;\"><\/span><span class=\"cat-title\">Investing<\/span><\/a><\/div>\n                        <h3 class=\"post-title\"><a href=\"https:\/\/cowrywise.com\/blog\/risk-management-and-investing\/\">Risk management and investing<\/a><\/h3>\n                                                <div class=\"post-date\"><time class=\"entry-date published updated\" datetime=\"2024-02-23T12:34:16+01:00\">February 23, 2024<\/time><\/div>\n                                              <\/div>\n\n                                            <a href=\"https:\/\/cowrywise.com\/blog\/risk-management-and-investing\/\" class=\"inhype-post-image-link\">\n                        <div class=\"inhype-post-image\" data-style=\"background-image: url(https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2024\/02\/RISK-MANAGEMENT-scaled.webp);\"><\/div>\n                      <\/a>\n                                          <\/div>\n                  <\/div>\n                        <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n    <\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>In Conclusion<\/strong><\/h2>\n\n\n\n<p>These questions are not exhaustive. They can, however, serve as a guide to help you understand how to save and invest as a young person. We also want you to start with much clarity so we broke down what you should look out for when choosing from different investment options.&nbsp;<\/p>\n\n\n\n<p>We truly hope that with these few points of ours, we\u2019ve been able to <em>convince you and not confuse you<\/em> that now is the time to learn how to save and invest. You should make hay while the sun shines.<\/p>\n\n\n\n<p>&#8212;<\/p>\n\n\n\n<p>If you\u2019re in your twenties, what are the current steps you are taking to become more financially responsible? <\/p>\n\n\n\n<p>Are there any topics you will like us to cover to help make the process easier?<\/p>\n\n\n\n<p>Share with us in the comments! Oh, and remember to share this guide with your friends in their twenties.  ?<\/p>\n\n\n\n<p><strong>ALSO READ:<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/cowrywise.com\/blog\/track-personal-finances\/\">How To Keep Track of Personal Finances<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>On October 4th, 2020, Laura, a twenty-one-year-old lady shared a picture on Twitter. This was, however, a very unusual picture. She was&#8230;<\/p>\n","protected":false},"author":1,"featured_media":8287,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[135,312,173],"tags":[180,193,220,181,219],"coauthors":[],"class_list":{"0":"post-3483","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-investment-tips","8":"category-money-tips","9":"category-saving-tips","10":"tag-investment","11":"tag-personal-finance","12":"tag-save-money","13":"tag-savings","14":"tag-ways-to-save"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Save and Invest Money in your Twenties. 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You&#039;re Not Too Young!\" \/>\n<meta property=\"og:description\" content=\"This guide will teach you how to save and invest money wisely in your twenties, so that you can gradually build a better life for yourself.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cowrywise.com\/blog\/how-to-save-and-invest-in-your-twenties\/\" \/>\n<meta property=\"og:site_name\" content=\"Cowrywise Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/cowrywise\" \/>\n<meta property=\"article:published_time\" content=\"2020-12-22T23:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-09-09T09:58:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2020\/12\/Save-and-Invest-Money-in-Your-Twenties.png\" \/>\n\t<meta property=\"og:image:width\" content=\"2048\" \/>\n\t<meta property=\"og:image:height\" content=\"1152\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Kayode Eseyin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@cowrywise\" \/>\n<meta name=\"twitter:site\" content=\"@cowrywise\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kayode Eseyin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/cowrywise.com\/blog\/how-to-save-and-invest-in-your-twenties\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/how-to-save-and-invest-in-your-twenties\/\"},\"author\":{\"name\":\"Ope\",\"@id\":\"https:\/\/cowrywise.com\/blog\/#\/schema\/person\/04a8b1c88ff4fbf5ba81cec7e2c88d07\"},\"headline\":\"How to Save and Invest Money in Your Twenties\",\"datePublished\":\"2020-12-22T23:00:00+00:00\",\"dateModified\":\"2022-09-09T09:58:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/how-to-save-and-invest-in-your-twenties\/\"},\"wordCount\":2211,\"commentCount\":9,\"publisher\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/how-to-save-and-invest-in-your-twenties\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2020\/12\/Save-and-Invest-Money-in-Your-Twenties.png\",\"keywords\":[\"Investment\",\"personal finance\",\"save money\",\"Savings\",\"ways to save\"],\"articleSection\":[\"Investing\",\"Money Tips\",\"Savings\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/cowrywise.com\/blog\/how-to-save-and-invest-in-your-twenties\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/cowrywise.com\/blog\/how-to-save-and-invest-in-your-twenties\/\",\"url\":\"https:\/\/cowrywise.com\/blog\/how-to-save-and-invest-in-your-twenties\/\",\"name\":\"How to Save and Invest Money in your Twenties. 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