Ask any adult - when it comes to understanding finances, there’s a never ending cycle of learning. Just when you think you’ve got things figured out, life could throw something new at you like unexpected expenses, a global pandemic or even a new form of cryptocurrency!

Below, we hear from some millennials on what they wish they knew about money earlier on in life:

• “Money is a tool, not really the end goal.” - Jenelle Coy @xoxojenelle

• “I wish that I did less careless spending during my early 20’s…my savings could be exponentially higher.” - Brittainy Joyner @iamdjlr

• “100K isn’t a lot of money 🤣🤣 sad but true.” - Jessie Suggs @jessiemsuggs

• “Building credit and investing.” - @jsmnlslice

• “Investing in ETFs is easy. Pick a safe one like VOO, QQQ, VTI, etc and invest every month.” - Kadeem Fletcher @kadeemprime

• “It makes the world go round…It literally can buy happiness.” - Jenna Carney @jennacarneyphotography

• “That it’s easy to spend but hard to make...” - Sydney Brunson @syd_vish

• “You have to really work for it…like literally no work no money.” - @vougishinterior

• “Not all debt is bad. Save for retirement asap. Get credit card early on to start building credit.” - Olivia Kerschinske @oliviakerschinske

• “Ways to save.” - Ashleigh Owens @ashvaughn

• “That *saving* money alone is not how you achieve or maintain wealth.” - Tyler Smith @vangojones

• ”That financial PTSD is all too real & you can’t hold back on life because of fear of spending.” - Kheprisa Burrell @supriima

• “To save for my future self! Never thought that was important.” - Melanie Wood Leonard @melaniewlnrd

• ”The importance of compound interest.” - Morgan Matthews @directedbymorgan

• “How to invest it or use it to make more money.” - Raven Leverett @envy_rai_

• ”Saving it has to = making more of it.” - Tahira @goknowwear

What’s something you knew about finances earlier on in life?