How your 20s decide your entire earning potential without you even realising it
You keep hearing people talk about investing early.
Mutual funds.
Stocks.
Crypto.
FDs.
Real estate.
And while all of that sounds exciting, there’s one investment you should prioritise long before you think about any of these.
Your skills.
The money you make in your 30s, 40s, and 50s is directly linked to the skills you build in your 20s.
Not your luck.
Not your timing.
Not your contacts.
If you know you want to stay in the industry you’re working in, then invest in certifications and programs that help you move up faster.
Learn the systems.
Learn the tools.
Learn the craft better than most people around you.
But if you don’t enjoy the industry you’re in right now, you still have a huge advantage.
Today, you can switch careers by spending 3 to 6 months learning a new skill.
You can break into a field that feels completely new.
You can restart without destroying your future.
It might feel scary when you compare yourself to peers who seem ahead of you.
They might earn more right now.
They might look more “settled.”
But working in an industry you don’t enjoy will create a regret that compounds faster than any investment ever will.
Every year it gets heavier.
Every year it gets harder.
So talk to a mentor.
Find a coach.
Choose an industry you’re proud to grow in.
Because your skills are the only investment that will pay you back for the rest of your life.
What’s the one skill you want to build in 2026?
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Manish Ahuja