Dear SG Budget Babe, what's one biggest advice for us 20s to be a millionaire by 30 and what would you have done differently if you were in your 20s again?

I would have invested in stocks from the minute I was born.

Just like a company, there's only 3 levers to "maximise" your networth:

(1) Reduce expenses

(2) Increase income

(3) Invest the difference with a good return

For most people who've just started working, and already living on cai png everyday, there's not much you can do with (1). But the usual places to look are: gym subscriptions, grab/gojek, mobile plan, and NETFLIX, SPOTIFY etc.

If you're just starting out in the workforce, there may not be much you can do with increasing your monthly income from your dayjob. But nothing's stopping you from having a side-gig, a night-gig or a side-hustle. Teach tuition, babysit, freelance coding for someone else all these can increase your monthly income by 1-2k easy.

Lastly, you have to make your money work hard for you. Plenty of articles on seedly for that. ​​​

Study hard in school, get good grades, receive scholarships, apply for government sectors jobs and go up the rank quickly. Do volunteer work and join the RC committee. Be capable in both work and social work and hopefully become a management role.

Or start a startup that gets alot of fundings, build it big and fast then aim for buyout or IPO

Or buy lottery tickets
I make videos about interesting stuff at youtube here​​​

In my honest opinion being a millionaire by 30 on your own is quite difficult, one way might be to start a business. If you're really hungry and want to be successful, nothing is gonna stop you!