Early adulthood · 20s–30s
The decisions that compound for decades get made now.
Nobody hands you a manual at 22. These are the moves — career, money, love, insurance — that your 40-year-old self will either thank you for or wish you'd made.
Life insurance or investing in your 20s? How to actually weigh it
Term life, whole life, or just investing the difference — a clear-eyed comparison for your 20s, including how your health affects what you'll pay.
How to choose a career you’ll still love at 45
The criteria that make a job attractive at 22 and the criteria that make it bearable at 45 are almost never the same list. How to actually choose.
Your first paycheque is an investing decision
Tax-advantaged retirement accounts exist in nearly every country, and starting at 25 instead of 35 can roughly double where you end up. The plain-language version.
Responsible spending isn’t deprivation. It’s direction
The habits that quietly decide whether your income builds a life or just a lifestyle.
Travel before kids. Here’s why it’s not selfish
The window when travel is cheap, flexible, and formative — and how to do it without wrecking your savings.
Choose a partner like your future depends on it
Because it does. What 50-50 actually looks like in money, chores, and ambition — and the signals to check before you're planning a wedding.
The friendship cliff after graduation. How to not fall off it
Friendships that felt automatic in school stop being automatic in your 20s. Why that happens, and how to actually build new ones on purpose.