Here are different financial approaches you could take at different life stages. At the early 20s, our income is far from its 11 so the first priority is to grow our income. One of the main problems in the early 20s is a “budget first” mentality. 12 sacrificing little luxuries of life, you should find a part-time job to cover the extra expense. In 25 to 30 years old, simple saving might not be enough. There is a range of investments making your money match 13 . Using structured deposits avoids your savings steadily devalued with the market. In 30 to 40 years old, the main concern should be 14 investment. Investing in real estate helps you establish wealth. In your 40s and 50s, the only focus on closing credit lines and getting the right insurance. All methods mentioned above are 15 by most people. Apply some of them and grow your money.