My Best Career, Money & Life Advice To Those In Their 20s

While we have so much to learn about career, life and money matters, it’s always helpful when we can learn from those who have already had some of the experiences we are about to face. Below is an interview that is both inspiring and motivating to help you get to where you want to be in life and in your personal finances.

When did you become more financially stable?

It depends on what your definition of financial stability is vs. what my definition is. I don’t think I’m there yet but I’m getting so much better! My progression has been a step-by-step change. It started when I got head hunted to work on Cross Rail and I was offered 10k more than I had asked for. That really showed me that I was charging myself at a lesser rate than I should have.

I started to gain true financial stability when I set up my consultancy here in Australia and started having real knowledge on the options I have available to me.

Can you tell us a bit more about you moving from London to Australia? It sounds exciting!

Moving from London to Australia was a scream for change and what would also appear to be a scream for help and freedom. I’d been dying for change not long after I became a single mum and I just felt that life hadn’t turned out the way it should have even though I’m aware life isn’t perfect. I had previously moved to Japan when I got married but that didn’t go as I had thought then a great friend from university gave me a much-needed outlet by putting me forward for a job here in Australia. I wanted change and I was willing to ‘JUMP’ as Steve Harvey says to see if there was something better for me down under. I am truly the best version of me in this beautiful land. I can honestly say I have no regrets.

That sounds so wonderful! What money tips would you give to a single mum living in a big city like London?

Don’t be scared of money, it will pick up that fear and remain scarce. Live boldly, be grateful for whatever you have and dare to dream big and want more. Once you do that, opportunities and creative manifestations will unfold and when it does make sure you give back, not just financially but also your time.

Your kids will see how you act around money so it’s important to own your current money story and act on it with gusto if you want it to change.

What are your top 3 books?

This is tricky because I don’t get to read often due to ‘life’ and some I haven’t even finished but if I had to name 3 at a push I would say:

1) The Magic by Rhonda Byrne

2) The Secret of Shambhala by James Redfield

3) The Happiness Advantage by Shawn Achor


I think a lot of 20 something’s put pressure on themselves to achieve great things at a young age, I know a big goal for many is for them to buy a house. What advice would you give to a 20 something-year-old when it comes to money?

Don’t work for money, let it work for you, let it give you the things in life you enjoy. Travel, live, love, explore, invest! Do all those things and make money do that for you. If you don’t enjoy what you are doing and it stresses you out then you need to change your strategy. Maintain your health in all things because money doesn’t mean anything if you aren’t able to enjoy it. Last but not least, pay it forward.

Pay it forward? What does that mean?

Pay it forward means being kind to someone else, a stranger or a loved one. Give them a leg up to get to where they need to be going. Giving feels ten times better than receiving and coincidentally it gives you abundance in return.

How can people reach you?

Absolutely, at the moment e-mail is best yemip@pennyconsulting.com.au or find me on Linked in as Yemi Penn.

I am about to embark on a programme called ‘Design Your Life’ by Penny Co. so watch this space

This interview was conducted and edited by Bola.

 

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