Why Saving Early is Overrated — And What to Do Instead

Introduction
You’ve heard it a thousand times: “Start saving early.” But what if this common advice isn’t as useful as you think?

The Problem with Early Saving
Saving while earning a low income in your 20s can restrict growth and experiences. Investing in skills, business, or education might provide a higher return.

Alternative Approach

• Focus on income growth first
• Build high-value skills
• Use debt strategically (wisely!)

Counterpoint
Yes, compound interest is powerful—but only if you can afford to save meaningfully. The key is timing, not just time.

Conclusion
Balance is crucial. Don’t blindly follow one-size-fits-all advice. Focus on maximizing your early earning potential before heavily saving.