Something I Wish I Knew in my 20’s: Money Isn’t Everything
Hello!
When I was in my twenties, I wish I had understood one thing more deeply: MONEY ISN’T EVERYTHING. I’d like to share this insight hoping it helps you avoid the same mistakes I made. While money is important—it’s a tool for survival and achieving goals—it’s not the ultimate measure of success or happiness.
Looking back, the moments that shaped my future weren’t tied to my income or job title. They were experiences like studying abroad, running marathons, starting my website, getting married, and joining Toastmasters. None of these required wealth, yet they brought me immense fulfillment.
Here’s what I’ve learned:
1. Prioritize Relationships and Experiences
The things that matter most in life—relationships, health, mental well-being, experiences, and faith—far outweigh the pursuit of wealth. Money can’t buy the joy of a strong marriage, the thrill of adventure, or the peace of a healthy mind.
2. Money is a Tool, Not a Goal
Money is a means to an end, not the end itself. It is ok to have financial goals, but they should not be one of the most important goals. Money is here to help you survive, achieve goals, and create opportunities. However, focusing solely on earning more can lead to stress and dissatisfaction.
3. Break the Scarcity Mindset
Growing up, I had a scarcity mindset, always fearing I didn’t have enough. This fear held me back from investing in myself and my future. It’s important to recognize that financial security doesn’t mean hoarding every penny—it’s about making thoughtful, intentional choices.
4. Choose Fulfillment Over Paychecks
I once worked a high-paying job that left me miserable. Stepping down to pursue a role I loved—even if it paid less—was one of my best decisions. Your mental health and relationships are worth more than any salary.
5. Your Twenties Are for Growth, Not Wealth
Your twenties are a time to learn, explore, and grow. Don’t pressure yourself to save or invest every dollar. Instead, focus on building meaningful relationships, gaining new experiences, and discovering what truly matters to you.
A Shift in Perspective
Studying abroad was a turning point for me. It allowed me to focus on my passions—wildlife conservation and education—and taught me that life’s most valuable experiences often lie outside the grind of work and money. Similarly, my relationship with my wife has brought me more joy than any paycheck ever could.
When I focus on money, I feel stressed. When I focus on relationships and experiences, I feel joy. It’s a simple yet profound truth: the things that bring us the most fulfillment are rarely tied to wealth.
Final Thoughts
Success isn’t about financial goals—it’s about the experiences you cherish, the relationships you nurture, and the person you become. Your twenties are a unique time to explore, learn, and grow. Don’t let the pursuit of money overshadow the things that truly matter.
What strategies have you used to prioritize what’s important in your life? Share your thoughts—I’d love to hear from you.
Best regards,
Nick Siebert
