How to Invest at Every Income Level in Your 20s

How to Invest at Every Income Level in Your 20s

J
Jon Law
119 Video Views·May 8, 2026

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In this video: Most investing advice online is too generic — buy this, buy that, here's what a "good return" looks like. But none of it really works until you figure out how much capital you actually have to invest in the first place. So in this video, I'm walking through how to invest at every income level in your 20s. I break it down into a few real buckets based on your income and savings, and explain what you should actually be doing at each stage — which honestly, for most people, means not investing in stocks or crypto yet and putting that money into raising your income instead. If you're in your 20s and trying to figure out where to even start, this one should help you skip a lot of bad advice.

CHAPTERS:
0:00 Why Generic Investing Advice Fails in Your 20s
0:49 The Two Buckets That Determine Financial Freedom
1:05 NYSE: ENHA
3:32 Income vs Savings: Why Both Matter for Investing
4:35 Why Savings Is a Lagged Indicator
5:22 Bucket 1: Minimum Wage or No Savings, Don't Invest
6:43 Bucket 2: $5K to $20K in Savings, Invest in Yourself
8:37 Best Things to Invest In When You're Starting Out
9:29 Bucket 3: $100K+ Income or Savings, Start Investing Seriously
10:07 The Power of Doubling Money Every 7 Years
10:45 Diversification and Risk in Your 20s
11:19 Why 20 Somethings Should Pursue Higher Risk Returns
12:17 Bucket 4: 99.9th Percentile Earners and Capital Preservation
13:05 Why High Earners Should Reinvest in What Worked
13:39 Final Thoughts on Speedrunning Income Buckets

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Disclaimer: This content was conducted on behalf of Enhanced (NYSE: ENHA) and was funded by Outside The Box Capital Inc. After Jon Law was engaged by Outside The Box Capital Inc. to advertise for Enhanced (NYSE: ENHA).

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