I'm 29. If You're in your 20's, Watch THIS.

your 20s are the most pivotal decade of your life what you do now sets your trajectory for years to come but what if I told you there are five simple routines that you can build into your daily life that could unlock the secret to not only surviving but thriving through your 20s and Beyond well stick around because by the end of this video you'll have the blueprint to the five core foundational building blocks of a successful and fulfilling life that you can start building yourself right now so let's dive in the first foundational routine that you need to build in your 20s is an exercise routine if there is one thing that science universally shows makes people happier feel more confident in themselves and be more productive it is regular exercise even as little as 15 to 20 minutes every day now some of the most compelling evidence I've seen for this recently was a study published in the lanet Psychiatry which showed that people who exercise regularly had on average 1 and 1 half days fewer of poor mental health than those who didn't exercise regularly that is an average of around 18 days or about 3 weeks a year where you feel much better than those who don't regularly exercise so to actually build an exercise routine in your 20s I think there are two key pieces first is what are you going to do you need to find a form of exercise that you enjoy so for me that means going to the gym and doing relatively lightweight exercises where I don't push myself to the absolute Max cuz that made me hate it a few times a week I also enjoy a run maybe once or twice a week particularly in the summer months and then also an at home workout once a week at the weekend for you it could be that you find a running club because you really enjoy running and the social aspect of going running with a running club is amazing or you might like yoga classes Pilates classes you might like to get into weightlifting boxing or dance there are so many different forms of exercise that are available to us I think we thinkink of exercise and just think I need to trudge on a treadmill or I need to go to the gym for an hour and pump really hard that just isn't true so find what works for you find what you actually enjoy and that way you have a chance of sticking to your new routine and then the second piece is to find a time in the day when you can consistently commit to doing that exercise so for me I have to go and do exercise in the morning my job means that I could be working throughout the day until late and I cannot consistently commit to going to the gym at say 5:00 p. m. but I can consistently commit going between 7:30 8:30 a.

m. it doesn't matter when it is morning lunchtime evening for you it just needs to be a time when you can consistently commit to going and build a routine that you stick to so what does my exercise routine actually look like during the week Monday to Friday I have three gym sessions one of those will be heavier on cardio two of them will be heavier on weights I then will go for a walk or possibly a short jog the other two days before I go into work the weekend then definitely go on a run one of the two days and usually also fit in an exercise class on the other morning just at home in our living room and if I have a call really early in the morning and can't make my usual morning gym session or walk I will instead go at lunchtime and sacrifice having lunch with friends that day I think the key thing on exercise is that as you get older it only gets more difficult to fit it in around your busy life so building up a really positive exercise routine and relationship with regular exercise in your 20s is crucial okay second need a financial routine I am a huge advocate in your 20s of spending money on things you love and enjoy exploring the world going out with friends having fun essentially while you are independent and don't have kind of the dependence that you may have in the future but that does not mean spending recklessly and not putting any money away for your future so the first part of your financial routine is always to track your money start knowing exactly where every dollar or pound you're spending is going and looking on a 3 to 12 monthly basis at your spending analyzing where you should be cutting back or perhaps even spending more on things you really enjoy and I do have a video running through exactly how I track my finances once a year to figure out exactly where my money is going the second part of your financial routine then needs to be to pay yourself first so follow a rule like the 50 30 20 rule but essentially making sure that that 20% or more that you're dedicating to savings and Investments every month is the first thing that happens when you receive your paycheck you allocate money to your essential bills rent Etc you then pay yourself into your savings or Investments account that 20% leaving only what you have to spend for the rest of the month in your spending account meaning that you retain Financial discipline in ensuring that every single month without fail you are putting money away for your future and the reason this is so important in your 20s is number one it builds the financial discipline to make sure you're putting money away every month so that as you progress earn more money but also your spending increases particularly if you have dependents in the future like children they're pretty bloody expensive and so actually putting money away every month before you then look at what you have to spend is a really positive Habit to have built and the second reason is that even small amounts of money invested in your 20s compound over time to generate very significant sums of money so if you put away 33,000 every year from when you're 20 to your 30 over 10 years you'll build up 30 ,000 if that is invested with 8% returns by the time you're 65 you'll have around £450,000 and that's without putting away any more money for the rest of your life now the best way to pay yourself first is absolutely to automate your finances and I do that using invest engine who are very kindly sponsoring today's video by automatically transferring out the amount of money I want to put into my savings Investments every month on the day I get paid and that all happens seamlessly without me thinking about about it using invest engine now before I started using invest engine every month I was transferring money out of my bank account into my investments account often forgetting to do it or not having enough money by the time I remembered to do it cuz I'd already spent it really poor financial discipline instead now invest engine automatically takes money out of my bank account on the day I get paid and invest engine then automatically distributes the money that I have to invest into different funds based on the allocations I have set up within the app now one of the most important things to look at when you're considering any investing platform is the fee structure and invest engine is completely free to sign up to use you can open an iset in the UK completely free you can build your own portfolio again completely commission free or you can leave it up to their experts for the relatively low fee at the time of making this video of 0.