There’s a lot packed into your 20s. You’re getting an education — formal or otherwise. You’re figuring out what you believe about work, money, relationships, success, and who you want to become. Sure, that process doesn’t stop at 30, but your 20s are especially formative. And there’s no shortage of advice aimed at young adults. Commencement speeches. Career gurus. Personal finance influencers. But a lot of it misses the deeper question of what actually matters. And in a world full of noise, it’s getting harder to separate wisdom from status signaling. Today we’re joined by Jack Raines. He’s a young guy who made some pretty countercultural choices — walking away from prestigious jobs, big paychecks, and conventional definitions of success to build a life on his own terms. His new book, Young Money, is part memoir, part guidebook for the generation coming behind him and today we discuss:
Embracing risk in your 20s
Balancing financial responsibility and enjoyment
Avoiding mindless toil
Recognizing meaningful work
FIRE as a mental illness
Different goals for different life stages
Why Jack believes “Am I having fun” is the most important question
And much more!

 

Can’t get enough How To Money? Here are some additional ways to get ahead with your personal finances:
Cashback credit cards: Check out our favorite credit cards that we use to maximize rewards and optimize our spending.
Other money nerds: Find a thriving community of fellow money nerds by joining the HTM Facebook group!
Newsletter: Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
Money Gears: knowing what to do with your money is crucial to your personal finance journey.
MG7: and maybe you’re well on your way to financial independence but you’re looking for some financial reassurance, that’s when heading over to HowToMoney.com/Advisor and getting matched with a highly vetted financial advisor makes sense.

 

And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

 

Best friends out!

There&rsquo;s a lot packed into your 20s. You&rsquo;re getting an education &mdash; formal or otherwise. You&rsquo;re figuring out what you believe about work, money, relationships, success, and who you want to become. Sure, that process doesn&rsquo;t stop at 30, but your 20s are especially formative. And there&rsquo;s no shortage of advice aimed at young adults. Commencement speeches. Career gurus. Personal finance influencers. But a lot of it misses the deeper question of what actually matters. And in a world full of noise, it&rsquo;s getting harder to separate wisdom from status signaling. Today we&rsquo;re joined by Jack Raines. He&rsquo;s a young guy who made some pretty countercultural choices &mdash; walking away from prestigious jobs, big paychecks, and conventional definitions of success to build a life on his own terms. His new book, Young Money, is part memoir, part guidebook for the generation coming behind him and today we discuss:
<ul>
<li aria-level="1">Embracing risk in your 20s</li>
<li aria-level="1">Balancing financial responsibility and enjoyment</li>
<li aria-level="1">Avoiding mindless toil</li>
<li aria-level="1">Recognizing meaningful work</li>
<li aria-level="1">FIRE as a mental illness</li>
<li aria-level="1">Different goals for different life stages</li>
<li aria-level="1">Why Jack believes &ldquo;Am I having fun&rdquo; is the most important question</li>
<li aria-level="1">And much more!</li>
</ul>
&nbsp;
Can&rsquo;t get enough How To Money? Here are some additional ways to get ahead with your personal finances:
<ul>
<li aria-level="1">Cashback credit cards: Check out <a href="https://go.nextcard.com/tkfe5ek-htmpodcast">our favorite credit cards</a> that we use to maximize rewards and optimize our spending.</li>
<li aria-level="1">Other money nerds: Find a thriving community of fellow money nerds by joining the <a href="https://www.facebook.com/groups/1623670287732189">HTM Facebook group!</a></li>
<li aria-level="1">Newsletter: Sign up for the weekly <a href="https://www.howtomoney.com/newsletter/">HTM newsletter</a>. It&rsquo;s fun, free, &amp; practical.</li>
<li aria-level="1">Money Gears: knowing <a href="https://www.howtomoney.com/start-here/">what to do with your money</a> is crucial to your personal finance journey.</li>
<ul>
<li aria-level="2">MG7: and maybe you&rsquo;re well on your way to financial independence but you&rsquo;re looking for some financial reassurance, that&rsquo;s when heading over to <a href="http://www.howtomoney.com/advisor">HowToMoney.com/Advisor</a> and getting matched with a highly vetted financial advisor makes sense.</li>
</ul>
</ul>
&nbsp;
And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you&rsquo;re not already a regular listener, and <a href="https://podcasts.apple.com/us/podcast/how-to-money/id1337718773?mt=2">give us a quick review in Apple Podcasts</a> or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!
&nbsp;
Best friends out!

Best friends Joel and Matt are the co-hosts of How to Money which is all about providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, and crucial money tricks that will provide continuous help along your journey. We believe that access to unbiased and jargon-free personal finance guidance is more necessary than ever before. When you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living a rich life.

How to Money

A Field Guide to Wealth & Purpose in Your 20s w/ Jack Raines #1175

https://api.omny.fm/orgs/e73c998e-6e60-432f-8610-ae210140c5b1/clips/5b767b6c-f6d1-4a88-bfd1-b4870136cb39/transcript