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If you're a Gen Z and you want to take control of your personal finances, here are things I do to build a successful financial future for myself as someone who's in her 20. Number one is starting to invest early. Now of course, no one is expecting you to invest when you don't even have an income yet, but as soon as you land your first job, you should try putting some of that salary aside. Time in the market will always be timing the market. Remember that. Number two is avoiding by now pay later schemes. I understand that schemes like Clarner can be helpful when you're about to make a big expense on an essential item. But if you ever wonder how these companies make money, is because they bank on a chance that you'll forget to repay back one day, and then they'll hit you with those predatory interest fees. And trust me, those fees can definitely add up and can even affect your credit score. Even if you're really good at paying back, these schemes can build a bad habit of buying things you can't afford. Number three is building an emergency fund, especially if you're a Gen Z who's worried about the job market. It's important to have some emergency funds for unprecedented times. When that paycheck hits your bank account before trading yourself, and you absolutely should, but before doing that, make sure you have at least three to six months of life expenses set aside. Number four is knowing where to spend your money. I think we can all agree that the millennial idea of saving money on your avocado toast and making coffee at home is outdated. We shouldn't be scared of spending money because life is meant to be enjoyed, but it's important to know where to spend that money. Take a pause and think about the things that actually bring more quality and joy into your life, and be honest with yourself on the things you're spending money on that might just be to impress people you don't actually care about. For me, travel experiences and food will always be worth it, but the newest designer bag, probably not a priority. And last but not least, it's focusing on education because financial literacy is power. Here are some beginner books I recommend if you're just getting started, and if you really want to take control of your personal finances, then feel free to follow me as well because I'll be making more content just like this video.