How did you get your first job? Apartment/house? Dating?
I ask because I really only did so after years of bouncing around from colleges, summer abroad programs, living with friends, and really just use Zillow or StreetEasy to look.
(I also ask because I want a distraction from the world that isn’t entertainment or documentary/non-fiction and often daydream about what things I could have done different had I known things - real life skills - earlier.)
Nothing is going to feel just right in your 20s. Take some risks so you don’t end up dormant. Some will work out, most probably won’t but you’ll learn and grow.
Don’t spend too much time online or playing video games. You won’t get anything out of that and you’ll fall behind the people who were putting themselves out there and finding personal growth through whatever avenues life tossed their way. And those avenues genuinely could be anything. My wife managed to turn post grocery store shift partying at the nastiest DIY punk warehouse you’ve ever seen into a very comfortable corporate career just through talking to the right people.
And yeah - don’t fuck around with credit card debt and don’t get addicted to alcohol or other drugs.
Getting a cushy corporate job at a DIY punk show pretty accurately describes the modern day punk scene haha
Agree with everyone about cc debt but one addendum:
If you have a level head, go for the max limit allowed. Follow all other advice and auto-pay the statement balance every month no matter what. Never carry a balance, never pay a dime of interest.
A high limit can come in handy for a once in a lifetime emergency expense where the debt is somehow not as bad as whatever problem money can solve. It also boosts your credit score if you are ever in a position to buy property - the agencies like to see that “this person only uses 2-5% of their credit limit”.