Your 20s Are Not Your Golden Years—They Are the Most Dangerous Time of Your Life
You got your first paycheck at 22, and three months later your savings are still zero. People around you say your 20s are your golden years and you should charge ahead, but you charge for ten years and look back to find your savings are as thin as tissue paper. The truth is, your 20s are not your golden years. They are the financially most harvest-prone decade of your life. Every dollar you lock up, every savings policy you are persuaded to buy, and every investment you enter without an emergency reserve, carries a 3-to-5x future compounding cost behind it. This article uses a NT$3 million gap between starting at 25 versus starting at 35, the real cost of surrendering a savings insurance policy, and the legal tax break of voluntarily contributing 6% to your Labor Pension to give you a complete action checklist you can start using today. It also breaks down two Taiwan-specific high-leverage tax-saving tools, gives precise action guidance by life stage from fresh graduate to pre-retiree, and closes with four veto iron rules that apply to everyone in their 20s.