{"id":1312,"date":"2018-06-01T08:42:07","date_gmt":"2018-06-01T08:42:07","guid":{"rendered":"http:\/\/blog.kuvera.in\/?p=1312"},"modified":"2019-06-10T09:28:16","modified_gmt":"2019-06-10T09:28:16","slug":"7-personal-finance-suggestions-from-a-30-year-old-to-a-20-year-someone","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/7-personal-finance-suggestions-from-a-30-year-old-to-a-20-year-someone\/","title":{"rendered":"7 personal finance suggestions from a 30-year-old to a 20-year-someone."},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d0bd7283b41\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d0bd7283b41\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/7-personal-finance-suggestions-from-a-30-year-old-to-a-20-year-someone\/#1_Start_early_start_small\" title=\"1\/ Start early, start small \">1\/ Start early, start small <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/7-personal-finance-suggestions-from-a-30-year-old-to-a-20-year-someone\/#i\" title=\"\u00a0\">\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/7-personal-finance-suggestions-from-a-30-year-old-to-a-20-year-someone\/#2_Keep_it_simple\" title=\"2\/ Keep it simple\">2\/ Keep it simple<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/7-personal-finance-suggestions-from-a-30-year-old-to-a-20-year-someone\/#3_Cover_up_your_risks\" title=\"3\/ Cover up your risks\">3\/ Cover up your risks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/7-personal-finance-suggestions-from-a-30-year-old-to-a-20-year-someone\/#4_Invest_in_yourself\" title=\"4\/ Invest in yourself\">4\/ Invest in yourself<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/7-personal-finance-suggestions-from-a-30-year-old-to-a-20-year-someone\/#5_Keep_evolving\" title=\"5\/ Keep evolving\">5\/ Keep evolving<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/7-personal-finance-suggestions-from-a-30-year-old-to-a-20-year-someone\/#6_Learn_to_harvest_not_just_farm\" title=\"6\/ Learn to harvest, not just farm\">6\/ Learn to harvest, not just farm<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/7-personal-finance-suggestions-from-a-30-year-old-to-a-20-year-someone\/#7_Consume_consciously\" title=\"7\/ Consume consciously\">7\/ Consume consciously<\/a><\/li><\/ul><\/nav><\/div>\n<p><em><img loading=\"lazy\" class=\"size-medium wp-image-1318 alignleft\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2018\/05\/Tushar-Jain-300x300.jpg\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/Tushar-Jain-300x300.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/Tushar-Jain-150x150.jpg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/Tushar-Jain-768x766.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/Tushar-Jain-1024x1021.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/Tushar-Jain-160x160.jpg 160w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/Tushar-Jain-320x320.jpg 320w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/Tushar-Jain.jpg 1050w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>Tushar is a personal finance enthusiast who loves to talk about money, savings, investments and spending. He blogs about financial wisdom and income growth habits at <a href=\"https:\/\/jaintushar.com\/\">https:\/\/jaintushar.com\/<\/a>\u00a0 <\/em><\/p>\n<p>Tushar, now 30+ years old, shared 7 personal finance suggestions for a 20 year old someone who is just starting his earning life.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"1_Start_early_start_small\"><\/span><strong>1\/ <\/strong><strong>Start early, start small <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>I did the first SIP of my life (of Rs. 500 per month) at the age of 22. That was in 2007, after I had joined my first job.<\/p>\n<p>It was thrilling to move from a pocket money of few hundreds to a salary of couple of thousands. I lived the first six months of my after job life as if there is no tomorrow. Result, I was often broke and borrowing money from friends and family.<\/p>\n<p>Luckily, I had a sister to coach me on financial wisdom and how important it is to follow the equation of \u2018income \u2013 investment = expense\u2019.<\/p>\n<p>It took lot of courage and will power to inculcate the habit of investing, but I ensured I keep on investing and stepping up my SIPs, as and when my income raised.<\/p>\n<p>In fact, I increased the SIP amounts during the market downturn of 2008. That was probably one of my smartest financial decision as mutual funds were available at very low NAVs. In year 2012, I used the same mutual fund corpus to finance my new car.<\/p>\n<p><strong><em><a href=\"http:\/\/blog.kuvera.in\/001-start-investing-today-a-ka-the-power-of-compounding\/\">Get into the habit of investing as soon as you can<\/a>. You don\u2019t even realize when these tiny drops accumulate to become heavy clouds.<\/em><\/strong><\/p>\n<h5><span class=\"ez-toc-section\" id=\"i\"><\/span>\u00a0<img loading=\"lazy\" class=\"size-medium wp-image-1323 aligncenter\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2018\/05\/Simple-300x251.png\" alt=\"\" width=\"300\" height=\"251\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/Simple-300x251.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/Simple-768x644.png 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/Simple.png 940w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<h5><span class=\"ez-toc-section\" id=\"2_Keep_it_simple\"><\/span><strong>2\/ Keep it simple<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>In one of his letters to the shareholders of Berkshire Hathway, Warren Buffett makes a hilarious yet extremely relevant observation:<\/p>\n<p>\u201cIt\u2019s interesting that industry has invented new ways to lose money when the old ways were working just fine\u201d<\/p>\n<p>Financial industry is definitely one industry that suffers from this syndrome.<\/p>\n<p>There is so much noise in financial industry today; companies are coming out daily with new investment plans which are not just complex but make no investment sense.<\/p>\n<p>I suggest you put your money in financial products that are simple and easy to understand, like term insurance, mutual funds, PPF, RDs, FDs, direct equities etc.<\/p>\n<p><strong><em>Until and unless you have advanced knowledge, never try your hand at complex financial products (like ULIPs, derivatives,FnOs etc.). It\u2019s not worthwhile to trade even a night\u2019s sleep for the chance of extra profit (this quote is again from Warren Buffett).<\/em><\/strong><\/p>\n<h5><\/h5>\n<h5><span class=\"ez-toc-section\" id=\"3_Cover_up_your_risks\"><\/span><strong>3\/ Cover up your risks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>If you are working in a corporate, you might be enjoying the benefits of a life and a health insurance.<\/p>\n<p>Unfortunately, job security is a myth in today\u2019s time and you never know when you will be stripped of the benefits of insurance.<\/p>\n<p>So cover up the risk as soon as possible.<\/p>\n<p>I understood this risk while I was switching jobs and was towards the later part of serving my notice period at McKinsey &amp; Company. That was when I met with a road accident and injured myself badly.<\/p>\n<p>While the company insurance took care of my immediate hospital expenses, I was out of job soon and had to bear all the medical expenses out of my savings.<\/p>\n<p><strong><em>Unless you already have a corpus of couple of crores, buy yourself a life and health insurance to cover the emergencies of life. One day, your loved ones would be proud of your decision.<\/em><\/strong><\/p>\n<p><img loading=\"lazy\" class=\"size-medium wp-image-1322 aligncenter\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2018\/05\/invest-knowledge-300x251.png\" alt=\"\" width=\"300\" height=\"251\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/invest-knowledge-300x251.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/invest-knowledge-768x644.png 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/invest-knowledge.png 940w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<h5><span class=\"ez-toc-section\" id=\"4_Invest_in_yourself\"><\/span><strong>4\/ Invest in yourself<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>We all are compulsorily taught Mathematics and Science at school. Unfortunately we are not taught accounting and finance by default.<\/p>\n<p>Essentially, our education system teaches us to make money but never tells us how to spend that money.<\/p>\n<p>Don\u2019t let your education interfere with your learning.<\/p>\n<p>Take control of your financial life and invest in learning. Read books, teach yourself personal finance, get knowledge on savings, investments, mutual funds, equities etc. Your options are endless.<\/p>\n<p>In fact, you can subscribe to <a href=\"http:\/\/www.jaintushar.com\" target=\"_blank\" rel=\"noopener\">my blog<\/a> where I share lots of financial wisdom to help you live a financially smart life.<\/p>\n<p><strong><em>Remember, a fool and his money are soon parted. Don\u2019t be that fool, invest in yourself so that you can grow and preserve your money.<\/em><\/strong><\/p>\n<p>&nbsp;<\/p>\n<h5><span class=\"ez-toc-section\" id=\"5_Keep_evolving\"><\/span><strong>5\/ Keep evolving<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Evolution is very important in your financial journey. The knowledge you gain today may become obsolete the next day. Be flexible to move ahead and embrace the change.<\/p>\n<p>As an example, I have been investing in Regular Plans of Mutual funds for past 10 years now.<\/p>\n<p>I got to know about the benefits of investing in <strong>Direct Mutual Funds<\/strong> and it\u00a0 took me just 10 days to switch from my existing mutual fund platform to <a href=\"https:\/\/kuvera.in\/\">Kuvera<\/a>.<\/p>\n<p><strong><em>Expand your horizon and embrace the change. The financial industry is evolving at a fast pace and luckily, there are few good things that are happening. An option to invest in Direct Mutual Funds is one of these. So keep looking out for such positive changes.<\/em><\/strong><\/p>\n<p>&nbsp;<\/p>\n<h5><span class=\"ez-toc-section\" id=\"6_Learn_to_harvest_not_just_farm\"><\/span><strong>6\/ Learn to harvest, not just farm<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>When it comes to riskier investments (like mutual funds and direct equity), understand the importance of an exit.<\/p>\n<p>That exit can be time bound (e.g. investing in a direct mutual fund via a SIP for a goal that is 20 years away) or can be return bound (e.g. investing in a stock with a target of increasing your investment by 50%).<\/p>\n<p>Whatever be your target, learn to make an exit when the target is achieved. If you happen to stay invested even after the achievement of your target, there can be a chance that the situation may turn around wiping all your gains.<\/p>\n<p>This has happened to me a couple of times in the past. I kept on holding a stock with the hope that the price will rise even further, only to see that particular stock tumble.<\/p>\n<p><strong><em>Control your greed when investing in a riskier asset class and make an exit when your target is achieved. Never ever try to time the market.<\/em><\/strong><\/p>\n<p><img loading=\"lazy\" class=\"size-medium wp-image-1321 aligncenter\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2018\/05\/wise-consumption-300x251.png\" alt=\"\" width=\"300\" height=\"251\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/wise-consumption-300x251.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/wise-consumption-768x644.png 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/wise-consumption.png 940w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<h5><span class=\"ez-toc-section\" id=\"7_Consume_consciously\"><\/span><strong>7\/ Consume consciously<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Use money as a means to achieve happiness.<\/p>\n<p>That doesn\u2019t mean you have to live a pauper\u2019s lifestyle. At the same time, understand that it serves no purpose to splurge either.<\/p>\n<p>Identify what gives purpose to your life. Spend your money there.<\/p>\n<p>If I talk about myself, I have an average entry level phone but a vast collection of books and online courses.<\/p>\n<p>I have a limited wardrobe but unlimited adventure experiences (I have done sky diving, bungee jumping, scuba diving, para sailing, para gliding, rafting etc.).<\/p>\n<p><strong><em>Consume to grow your personality, not your ego.<\/em><\/strong><\/p>\n<p><img loading=\"lazy\" class=\"size-medium wp-image-1324 aligncenter\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2018\/05\/risk-management-300x251.png\" alt=\"\" width=\"300\" height=\"251\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/risk-management-300x251.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/risk-management-768x644.png 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2018\/05\/risk-management.png 940w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tushar is a personal finance enthusiast who loves to talk about money, savings, investments and spending. He blogs about financial wisdom and income growth habits at https:\/\/jaintushar.com\/\u00a0 Tushar, now 30+ years old, shared 7 personal finance suggestions for a 20 year old someone who is just starting his earning life. 1\/ Start early, start small [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/7-personal-finance-suggestions-from-a-30-year-old-to-a-20-year-someone\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":1326,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[153],"tags":[92,93,46,66,67,96],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>7 personal finance suggestions from a 30-year-old to a 20-year-someone. - Kuvera<\/title>\n<meta name=\"description\" content=\"Tushar, a personal finance enthusiast, writes about 7 personal finance suggestions from a 30-year-old to a 20-year-someone.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kuvera.in\/blog\/7-personal-finance-suggestions-from-a-30-year-old-to-a-20-year-someone\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"7 personal finance suggestions from a 30-year-old to a 20-year-someone. - 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