Why your 20s are best time to build financial habits that last

Are you in your 20s? Done with studying for now, in your first or second job building a career and thinking to stop playing and get responsible like a real adult but not quite ready for it?

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But do you know you can do something now that your future self will thank you for later in your life?

Your 20s can feel like a time of financial chaos with juggling entry-level salaries, student debt, rent and social pressure.

However, the reality is that the financial foundations you lay now will determine the level of stability, freedom and security you will have later, PSG's future females in finance, Bianca and Annika Strydom #fintwinz, who believe that the habits and decisions people make in their 20s can shape their financial trajectory for life.

"It ultimately comes down to three key financial habits. The first and arguably most important is living below your means. If your expenses are consistently higher than your monthly earnings, you are in for major trouble down the line," Bianca says.