Being in the crypto world, I am surrounded and exposed daily by the people who are financial literate and experts who have diversified their own different portfolios. I have no knowledge about being financially stable because it is not taught to me in the school. Since I have been in the crypto world, I have realized how important it is to plan your money and save as early while the time is young. Time waits for no one and time is a literal gold. I have realized that to create wealth, you should put them all in the proper place wherein one day you will be thankful for what you planted. All I aim before is to have a job one day and get paid but I have realized that it is not enough. It doesn't make sense if you only work for the rest of your life and your money is easily spent with zero traces of what you've earned on your lifetime.

I know I am too young to think about all of these things but I believe that once I enter the age of 20, it is the time of my life where I am considered a young adult and that means my responsibility in this world is getting bigger.

These are the plans that I want to do in my 20s:

• Open a bank account and have my own savings

Once the crypto market will pump, I already know what to do whenever I will have a profits. I am not going to watch my profits disappear like what I used to do. I have realized that it's important for me to save them in fiat form so that when I need something financially, I don't have to touch my crypto anymore and I don't have to depend my decisions on the volatility of the market.

• Live a debt-free life

I have been told about this already. Here in the Philippines if you are working as a teacher you will be offered a lot of "borrow now, pay later" opportunities. As a person pursuing a career to become teacher one day, I really dislike that notion. I will never let the institution or anyone to force me in applying financial loans. I don't want to live a life where I will be paying forever. I should be saving and not paying.

• Start my stock investments

As I have written in my previous article, I am very eager and determined to enter and invest in the stock market. Once my crypto portfolio can fully recover and grow from the loss and from the dip, I will totally invest a certain amount that I want to grow and I will hold it for several years because I aim for a long term investment.

• Hold my Bitcoincash asset

I am a firm believer that bitcoincash can surpass bitcoin and I know bitcoincash is meant to be spent but since I cannot use it to spend on my day to day life, I am holding it like a treasure. For me bitcoincash will be worth $10k in the future and if you have a holdings of it now, I don't know how much your possible holdings will be once BCH will totally crossed above $10k.

• Have a business

I am not a business-minded person but I really want to learn on how to start a business and grow it. I want to have a business that I can sustain for a long time and is profitable as well. So many opportunities are waiting on this world and I am knocking them one by one.

These are the goals that I want to do inside my 20s and I believe that nothing is impossible. Anything can happen and there's always a way. The only thing I need to keep in mind is not to rush things because I know great things always takes time. Time is so precious and valuable and I do not feel the pressure of it instead I see it as a reminder that I shouldn't be wasting my time on this world and I should seek different ways to change my life for a better. I want to have no regrets in the future and I believe that while we still have more and plenty of time, we can do the best that we can able to do. We cannot turn back time anymore but if we are wise to use it enough, time machine is not needed anymore.

Kung Hei Fat Choi everyone! Happy Chinese New Year!

February 1, 2022