3 Lessons Learned in the first 10 days of my 30s

News Flash (or not), I turned 30 barely two weeks ago.

Counting twelve (12) days into 30 might not seem like much, but I have picked up some lessons that may be beneficial to you. First, let me tell you what it feels like to be 30.

Nothing changed!

I honestly feel the same way I felt when I was 25 - still young, curious about life and filled with books to write but still distracted with the thought of paying bills if he digs his head deep into writing. The only difference is that my sister sent me a DM on WhatsApp with "GO AND MARRY... None of us waited this long." That cannot count as change because this is normal for someone at my age. Asides from this, here are my first five lessons in my 30s.

1. Spread Your Finances: I recently discovered that keeping my salary in my bank account for too long is the best way to spend it. What I did was to create different channels to turn in the money I don't intend to spend in either savings or investments. Some channels I use are GTB Target Save account, Bamboo (to buy stocks), ALAT Savings Goals, and so on. I also have a monthly contribution that helps me put money away for the longer term. One side-lesson though, savings are directly impacted by inflation but can be lifesaving when distress costs come. Depending on the type of investment, your capital may bring some returns that match, beat or cushion the rate of inflation.
2. Delayed Pressure is costly: I had nursed the idea of writing another book for over 2 years now and never really got around to do it. My excuse then was that I needed to save up money to free up my time and get in the space where I could work on the project without so many distractions, but unfortunately, most of my income went into the spend-drive. I am still working on solving this particular issue, but I find a solution, I will share it with you. The moral lesson here for the young man or woman out there is this:

You only have today to deal with the pressure. That marriage you are holding off because of money can happen successfully if you start the plans today. You can publish that book in a few weeks if you start the introduction today.

3. Think Long-Term: I was recently studying how billionaires could sleep at night with enormous debts or the likelihood of running into a huge loss. A few days ago, this thought hit me. If I owe 20k, for instance, and my due date for repayment is at the end of this month, do I have enough to invest and make something substantial or can I make some ROI off that 20k before I pay it in. I have concluded that if I can build my finances that my immediate income goes solely into investments and my previous income will cover the current budget. If I can pull this off, then I would be on my way to financial independence.

Which of these resonates most with you and what other lessons are you willing to share so we can also learn. Also, did you notice I did some rebranding? Something fishy is going down and it will be mind-blowing.

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