Young Adult

Most people were never taught how money actually works. Before strategies, you need the mindset: money is a tool, debt is a cost, and time is your greatest asset right now.

Your income is your most valuable asset — not your car, not your phone. A 25-year-old earning $50k/year will earn $2M+ over a career. One disability, one death, and that machine stops. Protection comes before accumulation.

The best investment strategy is the one you actually start. Index funds, IULs, and Roth IRAs each have a role. The key is to start — and to understand what you own.