It's tough. I have one who is 21, she is running her own life. The best you can do is sit her down and have a heart to heart about it. Tell her that you are concerned about her not having a nest egg/safety net. But
That's a tough conversation to have with a 21 year old. Even though it was
22 years ago for me I can still close my eyes and go back to that time and if
I had to give myself advice that I thought I would listen to it would
probably be about taking more risks and having way less patience for things that made me unhappy.
But the nest egg stuff I figure was what my 30's was for with my 20s being
the time to take some big bets on life with business and travel. That being said, I didn't have my first child until I was 41 so not having that responsibility afforded me the luxury to take those risks that others
wouldn't have had.
I like to think things turned out relatively well for me and it boiled down
to pursuing what I was most passionate with as much intensity and
perseverance possible. That would be the sit down's I'd have with my 20 year old self, the whole you can do anything you set your mind to spiel.
I also get that my childhood set me up to believe in this kind of thing and that's a privilege others might not have.
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