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Investments Every Young Adult Needs to Think About

While it may seem you have your whole life ahead of you, the key to your success as an adult depends on the investments you make now in your youth. Don’t wait to start planning. Start investing in your future. Here are five investments young people need to consider to ensure a better tomorrow.

1. Budget

Without question this is possibly your number one responsibility when it comes to creating a better life for yourself. With so many people struggling to live paycheck to paycheck and living off credit, it’s important to learn that doing so is a big mistake. Budgeting helps you learn to use money wisely by keeping track of your income, expenses, and savings. It can help you avoid the painful experience of being drowned in a sea of unnecessary debt, and give you the financial freedom you want in life.

get through college without debt2. College

An education is an investment in your future. College graduates possess more earning potential than their peers who do not invest in higher education, and the personal growth you receive as a young adult is well worth the investment. Just don’t get in over your head by accruing huge student debt. Look into ways that can make college affordable, and if you have to take on a loan to pay for school, make certain that you can pay that loan off within ten years.

Getting a degree is easier when you are young and have less responsibilities such as a family, a house, and other major expenses. Take advantage of this time!

3. Retirement

While your golden years seem far down the road, it’s important to start investing in your retirement by the time you get your first job. By putting your money away now in a 401(k) or IRA, you are saving for your future. Be prepared for the financial expenses that old age comes with naturally, and give yourself the opportunity to live a comfortable retirement.

4. Insurance

Investing in your health is also extremely important. Yes, you may not get sick very often, but bad things can and do happen to good people. Insurance helps you safeguard against emergencies that can easily become a serious financial burden. One particular form of insurance often overlooked is dental insurance. Don’t avoid it. Having dental insurance along with a strong healthcare plan is a great way to invest in your health. They are a means of preventative care, and preserving your health should be your top priority.

5. Find Yourself

Finally, the best time to discover who you are and what you want to do in life is when you’re young. Take the time to discover what you enjoy most about yourself, and what purpose you wish to serve in this life. It will lead to a much more fulfilling life where happiness is not hard to find.

Keep these five things in mind, and you’ll be well on your way to a successful and healthy future.

What investments do you think today’s youth should be making?

Battle of the Mind Investing Money


My name is Derek, and I have my Bachelors Degree in Finance from Grand Valley State University. After graduation, I was not able to find a job that fully utilized my degree, but I still had a passion for Finance! So, I decided to focus my passion in the stock market. I studied Cash Flows, Balance Sheets, and Income Statements, put some money into the market and saw a good return on my investment. As satisfying as this was, I still felt that something was missing. I have a passion for Finance, but I also have a passion for people. If you have a willingness to learn, I will continue to teach.

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