Smart Money Investments In Your Twenties

Your twenties can be a time of parties, travel and doing what you please... but there are a few smart money investments in your twenties you should consider

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Don’t you just love your twenties? Fun, adventure and time to make all the mistakes you want. However, your twenties can also be a time to make some seriously smart money investments. Especially when it comes to your health. And while I am certainly not qualified to give you specific financial advice, I can let you know what I wish I had invested in more during my twenties.

Your Natural Health 

I wish so much that I had discovered natural health options earlier in my twenties. Think about what you load into your body… hormonal contraceptives, alcohol, energy drinks, sugar, coffee plus lack of sleep (because who needs that…?) all mess with our health. And you know what? That’s okay – because that’s what our twenties are for right? But there are ways we can reduce the impact.

There are two types practitioners I have used extensively through my late twenties and wish I had stared seeing earlier:


I have to be honest. I had no idea of the benefits of acupuncture until I was having difficulty conceiving my first child. Traditional medicine wouldn’t determine I had fertility issues until I had been trying to conceive for more than twelve months but I knew something was wrong. So I sought out an acupuncturist who specialised in fertility.

After the first session he told me in detail of why I was having difficulty and what he could do about it. I swear without his help, I would not have been able to conceive my son in the timeframe that I did.

However, my treatments with him also resulted in me being the healthiest I had ever felt in my life. I had more energy, my skin was amazing and each acupuncture session was like an incredible meditation – I always felt so relaxed and at ease.

Acupuncture is still something I highly recommend to others and use myself.


My naturopath works brilliantly in conjunction with my acupuncturist. And that’s the wonderful thing about natural health – the different practices often work well in complimenting each other.

Over the years my naturopath has helped me with conceiving my son, my suffering of Hyperemesis Gravidarum during my pregnancy, maintaining my supply of breastmilk while my son was in the Neonatal Intensive Care Unit, coping with postpartum stress, anxiety and also with fatigue (because all mum’s suffer from fatigue at some point don’t we?)

Natural health is one of the best investments I have ever made.

Your twenties can be a time of parties, travel and doing what you please... but there are a few smart money investments in your twenties you should consider

Stress Reduction

Stress is a part of life. And it is an essential part of life. It cops a bit of a bad wrap but the truth is, stress induces a natural response in our bodies and sets off our sympathetic nervous system which controls our flight or fight response.

The big issue comes in when we are in a constant state of fight or flight. When our stress is always so high that our body becomes fatigued and can no longer understand what stress means.

I wish I had spent more money and time in my early twenties dedicated to learning how to cope with stress in better ways. But because I didn’t, here’s some ways I have learned to deal with stress in my *cough cough* late twenties:

Seek Professional Help

I am so lucky to have found an amazing psychologist who has been imperative to my ability to cope with stress. Sometimes all the self help books just aren’t enough – you need to speak to someone qualified who is dedicated to helping you.

My psychologist was exactly what I needed, someone who didn’t sugar coat things and was happy enough to tell me when I needed to calm myself down. With her help I have been able to learn new ways to cope with stress that are specific to how I function and what I need.

Natural Therapies

Remember how I said earlier that I saw my naturopath for stress? Around a year ago I was diagnosed with adrenal fatigue. That is where your body is in a constant state of stress for so long your adrenal glads don’t really know how to function anymore. With the help of my naturopath I have been able to reduce my stress and change how my body reacts to stressful situations. With a million dollars right there.

Stop Trying To Do It All

I know in your twenties you feel invincible and like you have to do everything right now. Want to know a secret? You don’t have to do it all!! Really. Working yourself for the bone without having any time out for yourself is not going to make you more productive. If anything it’s going to reduce your productivity, make you tired and stressed and reduce your happiness. Seriously. Make some time for yourself, slow down and take a few deep breaths. The difference is amazing.

Have a look here at what is stressing Australians the most.

Health Insurance

I wish I had known more about health insurance earlier on. It was my understanding that health insurance was what you needed when you were much older incase you needed a hip replacement or needed new dentures. This was definitely not the case.

Health insurance has allowed me to stress less about my health – not because I needed the insurance for anything emergency related, but because I knew I would be covered for so many of the extras. Which is honestly all I use health insurance for. When my tooth literally broke off in my mouth (thank you Hyperemesis) I had it fixed the next day with limited stress because I knew the majority of the cost was covered. The same went for all the acupuncture treatments I had and naturopath appointments.

I learned that there were so many options for health insurance, and I didn’t need to pay for that hip replacement I doubt I’ll be using anytime soon.

Have you considered health insurance? Be sure to head over to Compare the Market to see what kind of benefits you could have and how much you could save. Remember, you can find the health insurance that most suits your needs, just like I did.

This post was kindly sponsored by Compare the Market. All opinions and experiences are 100% my own – I’m really no good at writing fiction. 


  1. My twenties are almost over (I’ll be thirty soon), so I guess it’s too late for me. 🙂 Kidding.

    Thankfully, I have and continue to make the health investments (minus acupuncture, that’s scary) you’ve mentioned. The earlier you begin making health investments, the better, but it’s never too late!

    1. My twenties are quickly coming to an end too!! Acupuncture is amazing. I seriously thought it was going to be horrible – and admittedly so the one they put between your eyes is a little freaky – but it is so incredibly relaxing. It so nice to just take some time to really invest in yourself. xo

  2. Yes, health insurance is a must in our house. It is amazing how many people don’t use their extras for preventative health. It’s crazy! There are so many options for only a fraction more than having hospital only or they pay for extras and never use them.
    Thanks for the great tips!

    1. It amazes me too. The ‘extras’ are the most lucrative part of health insurance and gives you the biggest return on your investment. But only if you use them!! And why not? Why wouldn’t you go and book yourself in for a lovely remedial massage? Nice to know I’m not the only one that loves my extras! xo

  3. I had private health insurance but cancelled it as I was wondering if it was worth it – managed to get a surgery and 6 months of physio covered by Medicare a couple of years ago!

    But age is catching up with me – so definitely looking into health insurance now!

  4. Love this! I totally agree that the us 20 year olds need to focus on their health and well-being so much more, because this generation is so obsessed with drinking, smoking, drugs, fatty process foods and all nighters… because YOLO. 😐

    I myself, am twenty one and most of my money goes towards healthy organic natural foods, travel and anything that is an investment to my health & well-being. I am constantly told that I don’t have to worry all those things because of my youth but I firmly believe that people should stop planting this into young minds. I am so thankful that I am in the mind-set I am in at my age and I urge other young girls and guys to do the same! Hopefully this post inspires you to!

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