If you could rewind to your 20s… would you actually change anything? 

In this episode, we're not doing regret, we're doing perspective. 

Because your 20s aren't about earning the most money. They're about owning the most valuable asset you'll ever have: time. And whether you're currently 25, 45 or 55, understanding what a "time millionaire" is might completely change how you think about your finances today. 

Mel and Lawsie unpack the money moves that matter early (and the ones that quietly derail women for decades): 
– why bad debt steals your future without you noticing 
– how a few inconvenient years can transform your entire financial trajectory 
– the shocking long-term power of tiny, consistent investing 
– the financial truth behind relationships and wealth 
– and why confidence, not perfection, is the real goal of your 20s 

This episode isn't really about your 20s. 
It's about realising you're not as behind as you think and what to do next, no matter your age. 

You're richer than you think 

For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at hello@melissabrowne.com.au. 

Links mentioned in the episode are below 

My Financial Adulting Plan can be found at  melissabrowne.com.au/financialadulting 

Find $10K in 12 Months Freebie can be found at  melissabrowne.com.au/find$10kin12months 

Share Investing Masterclass can be found at  melissabrowne.com.au/shares 

Dare to be Wealthy can be found at melissabrowne.com.au/books 

Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review.