Your 20s are often described as the years of self-discovery. But let’s be real, they’re also the years where we learn that money has moods too. One month, you feel rich after your salary hits, and two weeks later, you’re scrolling through payment notifications, wondering, “Where did it all go?”
For women today, financial independence isn’t a distant milestone; it’s a daily practice. We follow finfluencers on Instagram and YouTube, we talk about “money goals” with our friends, and we make screenshots of outfit inspiration and dream vacations we’ll “someday” afford. The question is, how do we make those screenshots real?
That’s where awareness, consistency, and smart money lessons come in.
1. Know What Finfluencers Really Mean
The term “finfluencers” may sound like a marketing buzzword, but at its core, its meaning is pretty straightforward: they’re financial influencers who make talking about money accessible to a whole generation of people who’ve grown up online. You’ll be seeing them breaking down stuff like mutual funds, credit scores, and side hustles into nice short videos – helpful stuff. Just keep in mind: not every piece of finfluencer’s advice will be relevant. They’re trying to get you thinking about money, not writing a cheque for your entire life savings. So take what they say as a good starting point – but don’t use it as the only thing guiding your decisions. Take their insights on board, but get a second opinion before acting.
2. Start with Simple, Down-to-Earth Goals
It doesn’t take a guru to start saving – all you need to do is start small and keep going. Set some short-term and long-term goals that actually make sense to you. It might be building up an emergency fund so your life isn’t turned upside down by the unexpectedor saving up for that one special item you’ve been eyeing (like that new gold necklace). Every single rupee you manage to squirrel away is a quiet testament to your discipline – and that’s something to be proud of.
Give a vision board a try – add some pics of the stuff you really want – that dream flat, that new car, that happy retirement in the sun. It’s not about daydreaming – it’s about keeping your goals in the front of your mind at all times. And remember, it’s steady, small steps that really get you ahead in the long run, not trying to make a fortune overnight.
3. Filter Your Financial Advice
Social media makes personal financial advice accessible but also noisy. Every post seems like a “money hack,” yet not all are safe. Here’s what most women in their 20s miss: financial growth isn’t about following every trend; it’s about understanding which advice fits your lifestyle.
Before acting on any financial tips or “viral tricks,” ask yourself —
Does this align with my risk appetite? My income? My life plans?
A good practice is to follow three types of voices online:
- Finfluencers who explain concepts clearly.
- Financial advisors with certified backgrounds.
- Communities of women and finance where shared experiences bring more perspective, like Lxme’s money saving advice, real talk, and no bluff.
Check for SEBI Registration
In India, anyone providing investment advice on securities (stocks, mutual funds, bonds, etc.) must be registered with SEBI (Securities and Exchange Board of India) as a Registered Investment Advisor (RIA). You can check the official list under the “Intermediaries” section of SEBI’s website to verify if someone is registered with SEBI.
Not all finfluencers are SEBI-registered, and that’s okay if they’re providing general education. However, always check the credentials of anyone asking for money or offering you particular investing advice.
4. Build a “Money Relationship” With Yourself
The earlier you start talking to yourself about money, the better. Ask: What kind of spender am I? Do I save emotionally or logically? Your 20s are the time to build habits, not just budgets.
If you’re someone who loves instant rewards (coffee runs, weekend brunches, online shopping), use that same energy to reward your saving milestones. Set up small wins like:
- Transferring a set amount right after payday.
- Using digital saving jars or apps that track your progress.
- Celebrating when you hit your target, even if it’s small.
Money saving advice doesn’t mean cutting joy; it means balancing joy and growth.
5. Learn to Question Financial Influencers
Many financial influencers are genuinely helpful, but some are just repeating trends. Always ask:
- Are they explaining risks along with returns?
- Are they disclosing if they’re promoting a product?
- Are they simplifying or overselling?
Your goal is not to distrust everyone online; it’s to build financial awareness that protects you because as much as the internet can educate, it can also mislead.
So, while you scroll through “best financial tips” or “money hacks for women,” pause before applying them. Take a breath, then choose what feels authentic to your goals.
Red Flags to Look Out For:
- Promises “guaranteed returns” or puts pressure to “act now” before a chance passes you by.
- Reaches out to you with urgent investment “opportunities” via emails, WhatsApp messaging, or unsolicited cold calls.
- Doesn’t reveal sponsored relationships or paid collaborations.
- Provide generic advice without taking into account your financial circumstances.
- Refuses to give registration documents or requests payment before signing a formal agreement.
- Requests that you send funds to their personal bank account instead of proper channels.
6. Small Savings, Big Shifts
You don’t need a massive income to start investing. You just need to start.
The earlier you begin, the longer your money works for you.
Lxme offers guided investment options—small, easy-to-understand, and made for women who want to feel confident managing their own portfolios. Following finfluencers might give ideas, but actual investing through platforms that teach why you’re doing what you’re doing builds sustainable confidence. The goal isn’t just to make money, it’s to make decisions that give you peace.
A Quiet Confidence: Building Money Wisdom Early
Being financially smart in your 20s means being aware, curious, and honest with yourself. When you understand what finfluencers mean and apply only the tips that align with your goals, you begin to shape your own version of independence.
You don’t need to have it all figured out. You just need to start. Setting a goal, saving a little, and learning a bit more each month is what separates women who “want stability” from women who create it.
And remember, every goal starts as a thought. Add it to your vision board, see it every day, and work towards it. Small moves, consistent energy, and the right mindset — that’s financial confidence redefined. If you need a simple place to begin, start by reading Lxme’s money-saving advice and building from there. Every habit, every small shift, adds up.
FAQs
Are finfluencers regulated or certified financial advisors?
Not always. Some finfluencers are certified experts, while others are content creators passionate about finance. It’s important to check their credentials and disclosures before applying any financial tips they share.
How can I verify if a finfluencer’s advice is credible?
Look for transparency. Credible financial influencers usually explain risks, provide sources, or reference credible institutions. If something feels oversimplified or too “perfect,” research before you act.
Can I trust financial advice from finfluencers?
You can consider it as a perspective, not final advice. Use personal financial advice from verified sources or professionals for major money decisions. Finfluencers can inspire, but your choices must fit your financial comfort and goals.
Further Read