Why are we so broke in our 20s? An even better question is if we can thrive during our 20s and build wealth.

The key to your 20s is living below your means and exploiting the fact that you are not responsible for anyone else.

Once we lower our housing costs, we can start saving inside our emergency fund and investing in our multi-tiered portfolio.

The goal of our multi-tiered portfolio (bonds, stocks, options) is to protect capital, generate income, and facilitate growth—all things we can control (to a certain extent). Good Luck!