The Real Math Behind Building Wealth in Your 20s
💡 Why Your 20s Are Your Golden Years for Building Wealth
Your 20s are a unique moment in your financial life — time is on your side. But without a game plan, time can slip away. This post breaks down how to build wealth early using simple, repeatable math.
1️⃣ Start with the Right Money Mindset
“You don’t need more money, you need more clarity.” – The Rich Guy Math
Building wealth is 80% mindset and 20% mechanics. Before you worry about stocks, you need to:
- Track your spending (use Notion or Excel)
- Pay yourself first (automate savings/investing)
- Set a monthly goal (e.g., invest $250/month)
2️⃣ The Simple Math: Compound Interest
If you invest $250/month from age 22 to 32 (just 10 years) and never touch it again, you could retire a millionaire.
That’s the power of compound interest.
| Age | Investment | Estimated Growth (7%) |
|---|---|---|
| 22-32 | $30,000 | $1M+ by age 60 |
3️⃣ Where to Put Your Money
Tools I use:
- 🟢 Robinhood (for ETFs like VOO, QQQ, SCHD)
- 🟣 Fidelity (for Roth IRA & cash management)
- 📘 Books: The Psychology of Money, I Will Teach You To Be Rich
Start simple:
- 50% VTI or VOO
- 25% SCHD or JEPI for dividends
- 25% QQQ for tech growth
4️⃣ Be Consistent, Not Perfect
The biggest mistake isn’t choosing the wrong stock — it’s not staying in the game.
Set up automatic investments and forget it. The Rich Guy Math is about making your money work quietly in the background.
✅ Action Plan
- Open an investing account
- Automate $250/month
- Reinvest dividends
- Stay the course — no panic-selling
