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 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!

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 🙏

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