At twenty you usually have more time than money. Spend the time like it’s the rich part, because it is.

Early on the balance runs one way: not much money, and large amounts of unclaimed time. For most people it reverses later, and the time becomes the scarce half. Spending it now on things that cannot be bought back, like learning something slowly or being around people, is treating it as the valuable item, which is what it is.

Look at your week and find the hours nobody has claimed. Put some of them into something that compounds, a skill or a friendship, before they get spent by default.