Realize that you earn income by providing value - not time - so find a way to provide your best value to others, and charge a fair price for it.

It's important to note that you don't have to earn money from all of your interests. If you just dive in and pursue what you enjoy, you may be surprised to find out which interests help you generate income and which don't.

By all means listen to other people's advice, but when in doubt go with your gut instinct.

Pour the bulk of your time into action, not deciding. The state of indecision is a major time waster. Don't spend more than 60 seconds in that state if you can avoid it. Make a firm, immediate decision, and move from uncertainty to certainty to action. Let the world tell you when you're wrong, and you'll soon build enough experience to make accurate, intelligent decisions.

Believing that you must do something perfectly is a recipe for stress, and you'll associate that stress with the task and thus condition yourself to avoid it

You must assume 100% responsibility for your financial life. If you're going to improve your situation, you have to put the full burden of doing so squarely on your own shoulders. First and foremost, you must hold yourself responsible.

People in their early 20s are invariably weird.