How to save 100k by the time you’re 30

I have spent a lot of time thinking about this. How do I have enough money to put a good deposit down on a house or to put into a new business venture all by the time I’m 30?

At 18 & 19 aim for €2000 per annum. That’s about €40 per week. A part time job alongside your studies, paying €100 per week should allow you to save €40.

When you are 20 and 21 you should have gained a bit more experience working (for me I was in a bar and got to work two nights a week at this age). This will allow you to save more. €67 per week. Easy 💪. This is based on the fact that you have little to no living expenses at this age.

At 22 and 23, you should starting your new ‘career’. This job should be paying a little bit more than the part time role you were doing during college. Here you should be looking to save €5000 per year which is a little less than €100 per week.

At 24 we expect you to get your first small pay raise (or receive your first bonus depending on the type of role you undertake). This year aim to put away €7500.

For the ages of 25 & 26 aim for €10000 per annum. That’s nearly €200 per week. This is a lot of money so it is imperative that you work extremely hard in the early years of your career in order to work your way up the ladder.

At 27 aim for €13000 per year. This is €250 per week. At this stage you should be earning around €50000 which is around €700 per week after tax, depending on where you live. Keep your expenses low and this is achievable.

Finally when you are 28, 29 and 30 aim to save €15000 per year which is €288 a week. You should be on around €50-60k by then which will allow you to do this.

3 Tips

1. Don’t finance anything or sign up to many paying subscription based products.

2. Live with roommates / parents. Keep your life cheep. Short term pain for long term gain.

3. Work hard in your job so you become more valuable to your employer and therefore are paid more. Start a side hustle.

How to study 400% faster

We all need to learn and study in some part of life. Life is learning, studying and learning again even if you don’t realise it. Whether you’re studying for your Bachelor degree, Masters or simply expanding your knowledge base, these tips will help you get the most out of your study time. We uncover that it’s not necessarily about working harder, but how to study smarter.

1. Set Study Goals.

I make a list of study goals and tick them off when I complete them. Not only will it motivate you and give you a sense of achievement, it will help you feel in control and reduce any study stress. This I found to be very good. It gave me a feel good feeling when I completed a topic. The feeling allowed encouraged me to keep going and learn more.

2. Get good partner

Make sure you get on with the person and they’re motivated to learn. Ideally get someone who is good at the topic or you know picks things up quickly. This is one of the best things I did when trying to study. Naturally we picked up different things when reading the material so we were able to teach each other afterwards. I cannot recommend this enough. I found it great for breaking down complex information into plain English. This is the only way I learn.

3. Study in short intervals

Short and sharp intervals are the best I have found. My brain is able to process information much better than lots of information in long sessions. I always break the sessions up into 30 minutes ‘studying’, 15 minutes review/chat about the topic afterwards and then 15 minutes rest. A short walk or cup of tea is great for this. I find it best to get the blood flowing though as I feel it awakens my body and get my senses going for learning again.

4. Get moving and get in the zone

I like to exercise before I get down to some serious study as I believe it works for me. Its important to create the ideal study space where you are comfortable and have a place to write and talk in peace. That is why i don’t like to study in libraries, I believe it is so important to discuss the topics being studied to embed the knowledge into your deeper consciousness. You’ll be more likely to recall something in an exam if you have discussed it beforehand whereas for me if I have just read the material I may not recall it all. Make sure you have everything you need – correct books, pens etc. Also, limit distractions – leave your phone alone and stay off social media!

5. Sleep well and Eat Well

This is key for live in general but a lot of people don’t do it. I found that I take on more information when I’m alert, have eaten correctly and have had a decent amount of sleep – and of course I perform even better after I’ve exercised. I find that it’s important to make sure you’ve eaten the correct foods to get your brain fired up and ready to learn – food such as fish, nuts, berries and yoghurt. It also pays to stay hydrated so get at least 2 liters of water into you per day studying. Also don’t forget to get up to move after every your 45-minute session.

6. Write Notes on the topics

My brain stores information better when i take notes after have read or heard it. Have you ever understood something in the moment but then later on find it hard to recall what was said? Just write it down. An interesting system I have used is the Leitner System. This system utilises the ideas of spaced repetition and increasing intervals. Give it a go and see if it works for you.

7. Connect with Other Topics or Ideas

I found that making connections between different topics allows me to better understand the subject i am covering. When I understand it I find it a million times easier to remember. I also try use Word Association technique to learn a list. The best example I have for this is Silly Old Harry Caught A Herring Totally Over Arabia. SOHCAHTOA! If you don’t understand what I mean google SOHCAHTOA. If you need to remember 7 names/principles/titles etc, take each name individually and associate it with a random word and make up a funny sentence that you won’t forget. The when asked about the principles you will be able to say your sentence and associate each random word to the principles and therefore learning the principles asked.

8. Test yourself with your partner

There are always questions in text books or the slides you’re studying. If not you will find some online. With you study partner test yourselves. Practice tests are a good way to see where you’re at, and where you might need to focus. I found if you come across something complicated when studying, make a note of it and remember to test yourself later for a challenge. Your partner may be able to help you out with the problem.

9. Teach it

If you really know something you an teach it. Tests have shown that people who study material to teach it to others, absorb the information more logically than those who are merely studying for themselves. So therefore try and teach a topic to your study partner. This will in turn reinforced it and develop your understanding of the topic.

10. Read aloud and recall

Read your notes allowed. Get away from the computer screen and whether it’s by yourself or with your study partner, read your notes out loud. Repetition is the key here. Say it over and over again and try to visualise what you are saying. If you can see it in your mind you will be able to recall it.

11. Get away from the computer screen

As said in my last point, GET AWAY FROM THE COMPUTER! Not only re here a million and one distractions but it has been proven in England at the University of Leicester that it’s harder to remember what you’ve read when reading from a screen, rather than a book or piece of paper. So therefore I would say buy the book or print out your lecture notes or online articles, and give those eyes a rest! It will stand to you in the long run.

Let me know what you think of the article below. I hope it helps you guys when studying. 🙏

How to keep you mind healthy

There are many things that school doesn’t teach us and one of those is how the us and our brain operate. How do we manage and train our brain for healthy living?

Here are the eight tricks for a healthy mind.

1) Listen to music. Music can repair brain damage and returns lost memories. Don’t be afraid to take time out of your busy life to relax and play some tunes. It’s always feels good to play your favorite songs.

2. Simply smile more often. Smiling, even in a bad mood, can immediately improve your mood because these muscles are enough to trigger happy chemicals in the brain. This means if you even pretend you’re happy you will be happy. Actively smile right now and see do you feel better.

3. Don’t be afraid to talk to yourself. I’m not joking. Talking to yourself can make your brain work more effectively. Therefore chatting to yourself might actually help you get the job done.

4. Always listen to your gut. A “gut feeling” is a chemical signal that your stomach creates to warn the brain of danger. 9 times out of 10 your gut feeling will be right so go with it.

5. Get out and exercise every single day with no excuses. “Neither the body nor the brain can function optimally without movement. In fact, sitting for more than 10 minutes at a time increases fatigue and reduces concentration.” – Rae Pica

6. Just let things go. Holding grudges is not only bad for your mental health, but it also has a physical impact on your brain. Take a deep breath, relax and let that shit go.

7. Neurologists claim that every time you resist acting on your anger, you’re actually rewiring your brain to be calmer and more loving. The next time you feel yourself getting angry. Take ten deep breath from the depths of your belly and then say your reply.

8. Finally if you are struggling with sleep, stress or just over thinking cuddling with your partner could be the answer. Cuddling before bed helps the brain relax so get into that spoon position and get your partner to help you out!

How to fight depression: Understanding your mind and gaining that mental strength

Depression is an illness. You don’t just ‘get over it’. Suicide is the 10th leading cause of death in the world.

Dying for a Degree is a documentary aired on BBC one in 2019. It shows that there is an academic mental health crisis at the moment and how the support isn’t there for many people. Looking after your Mental Health is a skill that we must develop.

We must each learn individually How, as humans we operate and How to Manage Our Mental Health.

Here is a quote from Ned Vizzini that will make you think. “I didn’t want to wake up. I was having such a better time asleep. And that’s really sad. It was almost like a reverse nightmare, like when you wake up from a nightmare you’re so relieved. I woke up into a nightmare.” You don’t know what people are going through so always remember to try and be nice.

In the past number of years I have lost two very good friends from college to suicide, and Tim Bergling aka Avicii 2018, which hit me on a deep level. This just shouldn’t happen. Life is too precious. To paraphrase Alan Saporta: The best way to escape a problem is to solve the problem. There are three thoughts that I and others have found beneficial for averting the unavoidable ups and downs of life. These have helped me from thinking and behaving self-destructively.

A brilliant quote from Nietzsche: “A man who has a why to live for can bear with almost any how.”

1. Depression is part of life. It happens to us all and is necessary for a whole life.
Everyone goes through times of happiness and sadness. Energy and vibration, curiosity is cyclical. You cannot be happy all your life – even though we would love to be. There are times when your body needs depression like symptoms. These symptoms of depression often just reflect a system undergoing routine repair and maintenance.
Focusing on the symptoms of “depression” is what can lead to a downward spiral. Don’t make assumptions. Having periodic downcast phases is normal. Overthinking about them as unnatural is what can cause the damage in the long run. People make devastating decisions from overthinking and this is what does the damage.
The best way I have found to combat negative thoughts is not to reject them but to identify them as they occur. Negative thoughts uncovered disappear! A great way to do this is through Morning Meditation.

2. Look after your mental health
Just like your body you have to manage and maintain your head. For example do you suffer from Anxiety? A simple technique I use is to focus on “what is..” rather than “what if”. “What if” can create bad images in our mind and brings me to dark places. I therefore must look at ways to calm my mind down. So when this is happening I just ask myself, What is true..
When I get stressed or in a bad place I always go for a run. This is my way of dealing with things in my mind. I find it clears the chatter and increases endorphins such as Serotonin. These give your body a natural boost and make me instantly feel better.
Don’t forget it’s not all about your job, your care or money! In a absorbing study “Would you be happier if you were richer?”, by Princeton professors Alan Krueger and Daniel Kahneman, winner of the 2002 Nobel Prize for his work in behavioral economics, found that perhaps the best indicator of happiness was frequency of eating with friends and family.
So maybe if you have to pick one action to harvest an emotive improvement, start having lunch/dinner more often with the people in your life who make you happy.

3. Gratitude training is essential for improving Mental Health
It is alarmingly easy to grow cynical and pessimistic thoughts and lose prospect of the fantastic gifts and successes in our lives. We focus on getting that girl or that degree or that promotion yet there is so much that is out of our control in these situations. One should not rate ourselves on what we have but on the kindness we portray.
Change your outlook, and avoid too much focus of self-image in one area of life, with weekly or daily gratitude exercises one can life a happy and abundant life.
Journaling – Write down three things every morning for which you are grateful for. I do this every morning and yes sometimes I do right done the same things that I have done before but that just reemphasis’s how important that is to me.
Say to the people you love how you really feel. Like is too short and we all do need a bit more love in our lives so lets TALK! ‘Dad, I love you and really appreciate everything you have ever done for me’. This will go a long way. Not only will it make your father smile but in turn it will make you happy.

Finally remember there are plenty of resources out there now that can help. Get in contact with them! They are there to help.

Need help?
Ireland: 116 123
Samaritans SMS: 087 260 9090
Hours: 24 hours, 7 days a week
Languages: English
Website: www.samaritans.org

Books to Read:

A Man’s Search for Meaning – Viktor Frankl

Change your life in a Month

The Happiness Advantage

  • Write a Gratitude List (3 things you are greatful for)
  • Journal (Something good that happened to you today)
  • Exercise
  • Meditate
  • Random act of kindness

Try doing these simple tasks for a month and see does it make a difference for you.

Positive people are happier and happy people outperform always.

Watch Shawn Achor’s Ted Talk below..

Ted Talk – The Happy Secret to Better Work

What does your Healthy Week look like? Here’s mine…

  1. Cook all my own dinners
  2. Do meditation and exercise everyday
  3. Book a cookery night with girlfriend
  4. Go out to the woods for a walk
  5. Read a chapter of my lastest book per night. (Tools of Titans by Tim Ferris)
  6. Change my posture
  7. Set 3 goals to be achieved each day and achieve them
  8. No phone after 10pm
  9. Note what I’m grateful for each morning 🙏

Daily Affirmations

So what is it that you want? Have you some goal or objective you have been trying to reach for years but you never seem to quite get to it?

Try writing down your goal 15 times every morning for the next month. Example: I, Dennis Higgins will become a business owner. Once you have written this down 15 times then say it 15 times allowed and then 15 times in your head.

This helps to focus your mind and your memory on a very specific thing. ‘I, Dennis Higgins will become a business owner’. This is said to allow one to notice things in your environment that might have already been then and you just haven’t noticed them. Through memory and repetition trick allows extra information in.

‘What you know doesn’t mean shit! What do you do consistently? – Tony Robbins

The Secret to Personal Growth as a Leader … George Raveling

Someone asked me what has been one of my most significant challenges throughout my life. My response was to live a disciplined life. Much of our personal behavior is predicated on how we view the world. We tend to prefer information that confirms our existing beliefs. We like to believe adding new processes, policies, procedures, and habits will transform our lives without retiring old mindsets and ways of living that no longer serves us. When you add anything in life, you must subtract somewhere else. Each day you must be brutally honest with yourself as it relates to who you are, what you want, what you need and how you serve others. The challenge is not just to do good in life, but to be good and at peace within.

There is no better use of a life than to be attentive to other people’s needs. I have come to realize that everyone is always in need of something that another person can give. Be it undivided attention, a kind word or deep empathy. The reality is this, most of us spend more time following than leading. More than ever we desperately need sterling leadership. The fundamental characteristic of leadership is the ability to manage oneself. The secret to personal growth as a leader is always to remain curious. A great way to learn is to teach. Learning happens when you acknowledge what you do not know. When one teaches, all parties end up growing and winning.

Self-imposed fears and your unwillingness to be uncomfortable will always present barriers to your success and leadership. Your choices always have real consequences. So do not hide your best self from others. Understand anything that deviates from the status quo is frightening but worthwhile. On your journey of self-discovery you will be taken through front doors, back doors, side doors, and no doors. No matter what lies ahead keep moving forward and never give up!


– Coach George Raveling