What personal finance advice would you give your 20-year-old self?

If I were advising my 20-year-old self on personal finance, I’d stress that merely saving money isn’t enough to build substantial wealth because it often doesn’t keep pace with inflation. Instead, the real key to wealth is creating and building something valuable, like a business or product. Think about solving a problem or fulfilling a need within a market you are passionate about. The potential financial rewards from ownership and capital gains can far surpass what you could save from a salary.