E23 - If I Was 20 Again, I’d Build This First

If I was 20 again, I would not start by investing.Not because investing is bad. Not because retirement accounts don’t work.But because most 20-year-olds don’t have an investing problem.They have a value problem.In this episode of Before the Returns, Jaden explains why building skills, increasing income, and developing judgment matter more in your 20s than optimizing a small investment portfolio.You’ll hear:Why “time in the market” isn’t the full pictureHow earning power can compound faster than investments early onThe danger of chasing passive income before building active valueWhy control and personal development create stronger financial foundationsWhat “roots before returns” really meansThis episode isn’t anti-investing. It’s about order.Because fruit doesn’t grow without roots.If your income, your skills, and your judgment aren’t growing… your portfolio won’t save you.Key TakeawaysMost young adults should prioritize skill development before portfolio optimizationIncreasing income can have a larger early impact than small investment gainsYou are your most valuable asset in your 20sControl and personal development create long-term financial leverageInvesting is important — but it shouldn’t replace self-investmentReflection QuestionsAre you building roots — or chasing returns?What skill, if developed over the next five years, would meaningfully increase your income?Are you investing because you’re ready — or because you’re afraid of being behind?If your portfolio disappeared tomorrow, what would still make you valuable?Got feedback? Drop it hereLearn more at www.jadenzubal.com | Follow @jadenzubal | Join the *Before the Returns Weekly* newsletter📩 Questions or ideas? Email: [email protected]⚖️ Disclaimer: This podcast is for educational purposes only. It is not financial, tax, or legal advice. Always consult with a qualified professional before making financial decisions.