You Learn Money by Using Money
One thing I really believe now is this:
You do not fully learn money only by saving it.
You also learn money by using it.
And sometimes…
by losing it.
I think many younger people are terrified of making financial mistakes.
But honestly?
Most people learn through experience, failure, and trial and error.
Investing is like that too.
At first, everything feels scary.
Markets go up and down.
You doubt yourself.
You overreact.
You make emotional decisions.
Sometimes you lose money.
But that experience teaches you things no textbook can fully teach.
How you react under pressure.
How fear affects decisions.
How greed affects decisions.
How risk actually feels emotionally.
I think experience changes understanding in a way theory never can.
And honestly?
This applies to life in general too.
Relationships.
Career choices.
Business.
Travel.
Moving overseas.
Changing direction.
Most people are improvising their way through life much more than they admit.
Looking back now, I think younger people should try things earlier while failure is still relatively survivable.
Because one reality of life is this:
Failure becomes emotionally and financially harder later.
When people are in their 40s and 50s, responsibilities usually become much heavier.
Children.
Mortgages.
Caregiving.
Health issues.
Career pressure.
At that stage, many people become terrified of instability.
And understandably so.
That is why I think your 20s and 30s are often the best years to experiment, fail, recover, and learn.
Not recklessly.
But courageously.
Because there is something even scarier than failure:
Living your entire life trying to avoid failure at all costs.
I think that creates a different kind of regret later.
Personally, I made many mistakes when I was younger.
Financial mistakes.
Life mistakes.
Wrong turns.
Chaotic decisions.
But I learned from all of them.
And honestly?
I think those experiences became part of my real education.
life.
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