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You can learn how to save and still have rich experiences in your twenties! This is something that should be taught in schools. I love this post! With a few barely noticeable tweaks no car, only eating out on special occasions, hacking beauty and fashion, etc. I was that kid who put away their birthday money in a bank account rather than go buy something right away. My husband and I have tried to save, but as you said things come up. I am now 26 years old and still not that serious with regard to saving money.

But, I am trying to save as much as I can even though I am still paying my student loan. It is really hard to prioritize saving. I was seriously baffled by that article when I read it. Unfortunately, I know quite a few people who live by her advice and approach. I by no means think you should save every penny without any intention of spending it.

But you should spend purposefully, just like you should save purposefully. Having goals, a plan and an approach can be incredibly empowering and meaningful. When you decide why you are spending or saving, you are in control, regardless of the income amount you are earning. Saving money at ANY age can be beneficial. Thank you for this post and inspiring all ages to start saving now or to continue saving.

I wish I would have read an article like this in my early twenties just for the knowledge of compound interest. There are a lot of fun things that are low-cost or free such as going on hikes, going to the zoo, going to parks, going to museums, going to the library and community events, etc. I also am subscribed to 4 monthly subscription boxes, memberships to Hulu, Netflix, Audible, Amazon Prime Student, and 2 magazine subscriptions.

Great advice, in my personal opinion is never too early to start to think about finance, maybe schools would must introduce calsses to teach it!! It sounds like that article was written entirely as click bait, as you first commenter has suggested.

How to Manage Money In Your 20s – 59 Personal Finance Experts Give Their Advice

No one said that you had to save every spare bit of money that you have, but saving in your 20s is going to give you a huge financial headstart. I, personally, am 26, and I am trying to balance everything in my life- with some success. I save a bit, I have a couple of properties as investments, and I get out there and travel….. None of it is easy, but it can be done. Thanks for sharing this post, it was really interesting for me.

I just turned thirty, and our net worth is over k. What a dumb lady who is looking to rationalize her bad decisions!


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I feel like people in their 20s are much less likely to have stable careers than people who are older, which is all the more reason to save. I agree, it is never too early to start saving money. While this article encourages saving which in your 20s, I know there are lots of parents who setup saving accounts for their teenagers, and sometimes even children younger than that. I love that idea. One, because it really is never too early to build assets for your children.

Two, the earlier you teach your children about frugality, the better money managers they will become as soon as they are old enough to own a credit card, which is at a pretty young age!


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  7. The suggestion that saving money in your 20s is a bad idea seems ridiculous to me. I get the point that they are trying to make; you should enjoy your fleeting 20s. The problem with their thesis is the suggestion that you need to spend every last dime in pursuit of that. People following that advice are likely to find that their 30s are spent with high-interest debt, a lousy credit score, and denied loans. Unfortunately, this is just around the time people start thinking about starting a family and buy a home. Both of those goals will be difficult without fiscal fitness.

    I agree with you. The article definitely sounds like click bait. I never understood friends that maxed out there overdrafts while being a student. Noone wants to sit on that kind of debt when you graduate and are pressured into finding a job to only then pay off the debt rather than saving the money! There is never an easy day to make a change, it is probably going to be painful. Anyone seen, We Bought a Zoo? This is going to get corny, but bear with me.

    In the movie, a father talks to his son about having 20 seconds of courage. Give yourself 20 seconds of courage and then he says, I promise something good will come of it. Perhaps, over a lifetime, those 20 seconds will grow to 30 and we will have room to do really brave things. This is going to seem a bit ironic and hypocritical because I am sitting typing this on a screen, but life is not in the scrolling. Most serendipitous events in life need our consent to occur. Facebook has become a mask where we put our best face forward, true face to face connection is causing social anxiety.

    Get off twitter and go hold a sign or walk at a march if you have a political problem. But somehow human beings survived the entire span of existence without cell phones until now—we need to investigate how this was done. We are missing out on conversations, experiences, beauty, and so much more because we are engrossed with our scrolling. Learn to be alone and enjoy it. It is truly a gift to be able to enjoy some time by yourself and not need to be occupied or accompanied by another person.

    It is independence, and in the quiet there is a lot to discover about yourself. But whether you are an introvert or an extrovert go sit on a bench, or go for a hike, or curl up and read. Giving yourself a chance to miss people, lets you love them better and gives them a less distracted version of yourself. Make time for your thoughts, for some self-talk, and to realize who you are absence of the presence of others.

    Learning to be alone, and not feel alone is a huge talent. Love, the environment, peace, whatever it is for you. It is quite true that if you stand for nothing you will fall for anything. Do not be a chameleon that blends to your social surroundings. Know about something, get passionate about it, and do something about it. It creates humility to acknowledge something other than yourself on a daily basis. Millennials are viewed by many generations older than us, as people who want to work the least for the most gain.

    If you want something, go work your ass off to get it. If something is important, you make time for it. One thing that I believe that we convince ourselves of somewhere in adolescence and adulthood is that only children play. We need to play. Whatever that is for you—whether it is literally playing and going to the pool, or being with your kids, or planting in the garden, or going for a bike ride—we need it.

    We need to reintroduce the word play into the adult vocabulary and remove the monopoly that kids have on it in our minds. The monotony of adult choices, bills, realities does not have to consume us. In November, I had surgery on my right temporal lobe, a right selective amygdalohippocampectomy performed by Dr.

    I spent the next few years continuing to look for work. It was a tough job trying to keep my resume current; both to hide my disability as the source of the dismissals, and make it appear that my several positions were not the result of poor performance. While my seizures continued to be controlled, the side effects of daytime fatigue and occasional blurred vision from my heavy doses of multiple medications started to affect my performance. I approached my Employment Counsellor at Epilepsy Toronto to assist me in disclosing my disability.

    The bank made some minor accommodations to the position, however as my work pace continued to be slower than their expectations, my doctors recommended that I take a disability leave. While most people with epilepsy are able to control their seizures with moderate doses of one or two medications, my epilepsy is more severe and requires many anti-consultant medications in heavy doses. I have now come to realize that while a tiny percentage of the population develops epilepsy, an equally tiny percentage of people with epilepsy end up having a disability that is severe enough that that they are no longer able to work.

    After a two week medically supervised medication adjustment in early my seizures returned while I was taking my disability leave. In early I decided to have a second brain operation, an anterior temporal resection of my right temporal lobe, which was performed by Dr. Olivier and his surgical team over seven hours in April, to further remove epileptic tissue.

    Olivier told me that the surgery, if successful, would hopefully improve my quality of life even though I would still be unable to work. In June, I returned to see them for the third time since the April, surgical operation on my right temporal lobe. My EEG test results again revealed that I no longer have epileptic activity in my brain, which matches with the fact that I have not had a seizure since the anterior temporal resection.

    Olivier are both delighted with the positive result. I have told my story of how Epilepsy Toronto has supported me so strongly with information, counselling and employment support throughout my years of disability. I have spoken to several organizations and many corporate and government employees, receiving several letters of thanks and compliments about how my story inspired their employees to donate to the United Way, which in turn funds Epilepsy Toronto.

    I was invited to their January, Celebration Dinner as I was chosen as one of the top ten speakers from their campaign. This was a special event for me, knowing that I have been able to give back to Epilepsy Toronto after having received so much in the way of support and assistance over the years. I also am volunteering my time to other community organizations in Markham to stay active and so these organizations can benefit from my professional accounting, tax, and financial experience.

    I could not have survived the past two decades of medical disability emotionally or psychologically without the love, dedication and support I have received from Kellie and my sons Mark and Chris. I had never even heard of epilepsy till grade 9, when I saw one of the student in my class having regular seizures. Like many other students, it was new to me and sad to say we could have been more sympathetic. Then the tables turned, when in grade 11, I myself started to have seizures.

    With the love and support of my family and friends my coping method became laughter. Throughout the years, I continued to use that coping method, while the doctors added a second medicine, continuously raising the doses. However, the seizures continued. At that point, my neurologist decided we should take a different route. He suggested we see if I was a candidate for neurosurgery.

    After undergoing a weeklong EEG, at the hospital in London, Ontario, we learned that a left temporal lobectomy was possible. I made the decision to go with it. We scheduled the surgery with Dr Andrew Parrent a few weeks later. My time was filled with visits to a speech pathologist, recreational therapist, social worker and a psychologist. They helped me recover by doing regular brain exercises and tests to help me recover from the brain trauma.

    While receiving their help, I decided I wanted to go back to school. As much as I appreciated their honest opinion I still chose to go to school in the mornings and received their help in the afternoons. During the two year program I willingly turned to the Special Needs Center, where I received help on numerous things? Taking the initiative to visit the Special Needs Centre helped me to accept that both my seizures and brain trauma affected me — but I could work around it and still learn like any other students.

    In doing so, I became very appreciative, set higher goals for myself and worked hard to reach them. Out of my personal interest I chose to do my second year placement here at Epilepsy Toronto. Doing so, was an amazing learning experience for me and frankly, for the epilepsy team. In the office I was made to feel very welcome, and was always treated like a professional. Being a young woman with epilepsy made me a valuable resource for the organization, being able to talk about the real impacts first hand drawing from my own experiences.

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    After four months working at Epilepsy Toronto I went home to graduate feeling empowered and ready for the future. Recently, I was hired as a personal support worker at Nabors, a charity dedicated to supporting people living with disabilities. I am here to support you in any way I can. I provide counselling and advocacy to adults, couples and families affected by epilepsy and I strive to create awareness and an informed understanding of epilepsy within the community.

    If you have any concerns regarding your health, relationships or simply need someone to talk to, I am here for you! My education and experience working in the field of mental health with diverse communities helps to prepare me for my role. I am passionate about the work that I do and am committed to providing support in a friendly and accepting environment. Please feel free to call or e-mail me if you are an adult living with epilepsy or if you know someone with epilepsy. I look forward to hearing from you! Carter Hammett Co-ordinator, Employment Services x carter epilepsytoronto.

    Stories of courage, resilience and hope. Often those stories centre upon the struggle to maintain a livelihood while dealing with the challenges of epilepsy and its related conditions. Together we can identify realistic career goals and the methods of accomplishing those goals.

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    Joanna Kapusta Office Manager I am usually the first face you see when you enter our office and the first voice you hear when you call, and if it needs to be done, I am probably doing it. I am a true generalist who lives to serve others and I truly believe that there is no job that is too big or too small. As a result, I have done event planning, fundraising, research, knowledge mobilization, database management, business analytics, and even some human resources.

    I represent Epilepsy Toronto and our community at the Ontario Brain Institute, working to bridge the gap between community need and research. If you need something, give me a call. You can come and meet with me and we can talk about finding a good job fit to meet your employment needs. Together we can assess your strengths, skills and look for other areas of employment. I also go out into the community developing employer relationships so we can match you to the right job.

    I can also assist both you and your employer to have the right accommodation for your maximum success. I look forward to meeting with you and speaking with staff in your workplace. I have more than 15 years of experience in the non profit sector and my background includes volunteer and project management, settlement, employment services and working with diverse communities. I want to hear from you and believe with information and education we can create understanding and awareness of epilepsy so you can pursue your dreams.

    I look forward to working with you. As the Director of Children of Youth Services, I am here to lend my support and provide services, resources and experiences, to any child, youth, young adult and their family members. My years of experience in the field of social work and counselling have centered around individuals and families with epilepsy, autism, and learning difficulties, both in Canada and the United Kingdom.

    Here at Epilepsy Toronto, I am committed to creating a safe, supportive environment for all clients and their needs. My goal is to educate and empower, in order to create a welcoming, more connected and positive environment for those living with epilepsy. As well, to help foster an understanding about epilepsy among our community.

    If you have any questions or feel like talking, please feel free to email, call or stop by my office to introduce yourself. Looking forward to hearing from you. Pia Marin Financial Services Manager Hello, my name is Pia. I am the Financial Manager for Epilepsy Toronto and I manage all of the donations, event monies and accounting at the agency.

    I joined Epilepsy Toronto after completing the accounting program at Humber College in and I have been with the organization for over 20 years. I am proud to be part of a caring community, concerned for the well-being of those affected by epilepsy. The group caters to the social needs our Adult members by providing members with the opportunity to have fun and develop friendship by making connections with others who share similar concerns and issues.

    We meet every Friday afternoon to participate in activities such as Art, music, discussions, outings, as well as sharing a meal.

    For the festival, I take care of the performers and many aspects of the promotion and publicity of the event. It makes me very proud to work on such a unique and vibrant arts festival that hosts performers, and spectators from around the world. Nicole Nelson Director of Development I am the Director of Development for Epilepsy Toronto. I am inspired because so many of them manage the difficult challenges of epilepsy but never seem to lose their dedication or resolve.

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    Epilepsy Toronto is a great place to work and I am honoured to be part of this community. I have worked largely in communications and event management, and have been involved in the non-profit sector for over 15 years now. As the Director of Development, I am responsible for soliciting donations, organizing some of our fundraising events and finding new and creative ways to increase our funds so that our agency can continue to run our specialized programs and services.

    If you have fundraising ideas or would like to know how you can help us in a fundraising capacity, please send me an e-mail. I look forward to hearing from you. Being a Jamaican born Canadian citizen, I certainly understand the challenges of racially diverse communities. Recognizing the importance of epilepsy awareness, my goal is to ensure that all communities have a firm grasp on what to do and how to support those living with epilepsy.

    I come with a background of Training and Development as well as a Social Service worker diploma. My passion is also in the arts. Being an actor, playwright and published author, I bring creativity to my position and look forward to sharing my strengths so that Epilepsy Toronto continues to thrive and touch lives. I have had the great privilege of working with Epilepsy Toronto on this great event for the past 7 years.

    Drew Woodley Director of Communications x drew epilepsytoronto. Most recently, I worked in the constituency offices of Jack Layton and Peggy Nash doing communications and casework.

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    I provide services and run programs for adults living with epilepsy and their families. I am constantly amazed and inspired to witness the resilience and courage demonstrated by our members as they struggle to cope with the impact of epilepsy. If you need support and guidance, then come see me! I am available to assist with counselling for individuals, couples and families. I facilitate support groups, advocate and provide information and epilepsy training to the community.

    My passion is people and my mission is to empower and make a positive difference in the lives of those I serve. I hold a Masters degree in Counselling Psychology, as well as graduate certification in social work, nursing and midwifery. My years of experience in the field of counselling, social work, teaching and training, has enabled me to work effectively in this role. I am committed to listening and responding to the needs of our adult members and providing the support needed in a warm and caring atmosphere.

    Call or e-mail me if you are an adult with epilepsy or you know someone with epilepsy.