Money Matters

Go From Rags To Riches Before 30

My generation are finding it difficult to get a job because there is too much competition on the market. My generation is struggling in debt because college bills are too high and we were never taught how to handle money. My generation will be working well past retirement age. My generation is, essentially, screwed. How many people have heard that recently? Are they right? Is this generation of students really in such dire straits? And what about the people already on the job market? Are they destined to make minimum wage in a dead end job with no security at all?

Of course not! Life is what you make it and if you want to be rich, retire early and have a fantastic life, you just need to start making the right decisions right now! There are numerous ways that you can secure your financial future. Let’s start by thinking about your job.

Get Paid

Not everyone is heading for a dead end job when they leave university. Some will be headhunted by top companies as soon as they leave and be offered great packages for signing on. So, the question you need to be asking yourself is, how do I get that type of offer? The answer is simple. You need to make sure that you soar through university with flying colors, study hard and study well. Of course, that’s not the only trick to being recruited for these positions.

You also need to make sure that you are using your spare time wisely to add to your profile. One way to do this is to take voluntary positions through the summer. For instance, you might be studying law. If that’s the case, you should be looking for a law firm where you can take on an internship. This is going to look fantastic on your resume and shows real initiative.


Of course, even if you don’t get your dream position straight out of college, you can still make a lot of money working in a worse position. To do this, you need to show your employer that you are willing to go the extra mile for the company and provide support when or if they need it. This will ensure you are first in line for promotions and you’ll quickly rise up the ranks.


Or, perhaps you want to try a different route and set yourself up independently once you finish college.

Get Made

If that’s the case, you should think about setting yourself up as a freelancer and self-represent as an independent worker on the market. To do this, you need to make sure you have a solid business profile. Start with your social media and make sure that you use them in a way that is strictly professional. Avoid the embarrassing comments or offensive jokes and simply use it as a business account. You can choose one social media profile purely for social interactions, and this should be completely private. Remember, social media is what employers and clients now use to investigate people they work with on the market.


Once you have built up social media, you can think about setting up a blog or website. It’s easy to do this for free, but if you have the money, you might want to consider instead paying for a hosted site that you can use any way you want. You’ll probably find you can set one of these up for less than your typical cable TV bill so you should definitely be able to fit it into your budget. A website is a great way to show your potential clients services that if you have offered or a portfolio of your work.

After this, you can start offering your services to clients and employers. You might think that it will be difficult to find work on the market, as a freelancer. But actually, it’s a lot easier than most people realize. The reason for this is because employers love the idea of getting cheap labor. Now, strictly speaking, when you work as a freelancer, you won’t be getting paid less. But, you will not be entitled to the type of expensive privileges people typically get on an employment contract.

Working as a freelancer and selling quality, you should find that you can make a lot of money on the market.

Go Passive

Although, finding the right career is only half the battle. If you want to be rich, truly rich, you need at least two incomes going into your account each month. One will probably be passive, and now we’re getting into investment possibilities. If you’re earning anything around 30K plus you should be thinking about investing some of your money. Of course, before you invest you need to save. According to Fortunate Investor, you can save money at any point in your life, even when you’re starting a family. Saving is about budgeting and if you budget the right way you should be able to save around a quarter of your monthly income.


Once you have a fairly sizable amount in savings, split it into four. A quarter is for retirement, a quarter for luxury spends, a quarter for emergencies and a quarter for investments. Don’t worry if that cuts down how much you get to play with and spend on investments. You can start off investing even with small amounts through resources like Forex. Forex is the trade of currency, and you can invest as little or as much as you like. It’s worth starting at around 100 and working your way up from there. Do that, and you should be able to make a few small investments.

You can also look at other resources like the stock market. Buying a few shares or penny stocks is a fantastic option if you want a chance at gaining a lot of money over the next few years.

We hope you see now that there are ways you can earn a solid income long before you hit 30. You don’t have to surrender to the promises of a terrible future for your generation.

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