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6 Things I Learned At 30 that I Wish I Had Known At 20 - Personal Finance When it comes to money and couples, financial intelligence is a slow, but steady course. Here are six things I wish I would have known when I became a legal adult:1)Time is on your side. Well, when you are in your twenties, time has no limit. When you're in your thirties, you do start to see an expiration date, and it's called "years to retirement". More specifically, it's "How much do I need to save each month to retire comfortably?" And then you look at those tables that show you what your nest egg would look like if you put away $50 per month from age 20, and compare it to starting at age 30. Wow! The compound interest factor sure helps out those twenty-something's. And they probably weren't even paying a mortgage or feeding a family of four! Start your savings early, early, early on: you'll really be glad you did!2) A credit card is NOT about the points. When I got my first credit card, it was just so I could "write cheques; just for ID purposes..." And then I started collecting them to get the free hats, $25 off my first purchase, free airline miles, cash back - you name it, I had a card...more
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