10 ways to get 99% ahead of MOST people in your 20s
Mia McGrath
@miarosemcgrathAbout
Partnerships: [email protected] 300k on TikTok & IG | Building wealth in your 20s + financial independence. Frugal Chic™: live luxuriously, spend intentionally. Frugalchic.co.uk TikTok @miarosemcgrath IG @miarose_mcgrath Substack @miamcgrath Use code 'MIA' with Trading 212 + InvestEngine to get a welcome bonus (T&Cs apply)
Latest Posts
Video Description
I’m in the top 1% of my age group financially by 24. Six-figure net worth, doubled my income in a year (£30k → £78k), and now I’ve gone all-in on working for myself. I don’t say this to brag — I grew up “normal,” I’ve faced setbacks, and I don’t come from money. If I can do it, you can too. In this video, I break down 10 principles that got me into the top 1% of my age group financially — and how you can apply them to your own life: 📌 Why frugality = freedom (not restriction) 📌 How to stop comparing yourself to others and start building leverage 📌 The biggest money traps keeping people broke in their 20s 📌 The high-income skills that changed my financial future 📌 Why you need to stop waiting for the “perfect moment” and just start This isn’t a get-rich-quick pitch or some “escape the matrix” nonsense. It’s the real, unfiltered playbook that got me from £0 savings and no direction → six-figure net worth and being my own boss by 24. LINKS: Free weekly newsletter: https://frugal-chic.beehiiv.com/ Stan store https://stan.store/Miarosemcgrath Timestamps: 0:00 intro 1:50 reject a YOLO attitude 5:30stop looking sideways -- number 3 i missed out oops. 9:00 assets over liabilities 11:30 just start 14:00 high income skill 15:00 choose your hard 18:00 self awareness = superpower 20:00 dont fall into victim mindset 22:00 creation over consumption
Empower Your 20s: Essential Gear
AI-recommended products based on this video

Apple AirPods Pro 2 Wireless Earbuds, Bluetooth Headphones, Active Noise Cancellation, Transparency, Personalized Spatial Audio, High-Fidelity Sound, H2 Chip, USB-C Charging

3 in 1 Charging Station for iPhone, Wireless Charger for iPhone 16 15 14 13 12 11 X Pro Max & Apple Watch - Charging Stand Dock for AirPods Global Recycled Standard

3 in 1 Charging Station for iPhone, Wireless Charger for iPhone 16 15 14 13 12 11 X Pro Max & Apple Watch - Charging Stand Dock for AirPods (Blue) Global Recycled Standard

Wireless Charger for iPhone- 3 in 1 Charging Station for iPhone 16/15/14/13/12/Pro Max/Pro/Mini/Plus, Apple Watch 10/9/8/7/SE/6/5/4/3/2/1/Ultra2/Ultra, AirPods pro/2/3/4

Apple iPad Mini (A17 Pro): Apple Intelligence, 8.3-inch Liquid Retina Display, 128GB, Wi-Fi 6E, 12MP Front/12MP Back Camera, Touch ID, All-Day Battery Life — Purple

Metapen Air 8 Apple Pencil for iPad 2018-2025, 20H Battry Life, 2Min Fast Charging, Palm Rejection, Stylus Pen for iPad 11/10/9/8/7/6th, iPad Pro 12.9/11/13“M4, iPad Air 3/4/5/6/M2/M3, iPad mini 5/6

iPhone Charger Cord Lightning Cable (Apple MFi Certified) 6/6/10ft 3 Pack iPhone Cable Fast Charging Long Apple Charger Cable for iPhone 13 13 Pro 12 Pro 11 SE Max XS XR X, iPad Mini Air, iPod, AirPod

Iaret Iaret Smart Watch for Women, 1.83" HD Fitness Tracker with 4 Bands, Answer/Make Calls, Heart Rate/Sleep/SpO2/Step Tracking, 100+ Sport Modes, Android/iPhone Compatible Gift (Rose Gold)

Curve Smart Watch for Men Women, 1.91" Smartwatches with 120+ Sport Modes, Fitness Tracker with Bluetooth Call, Waterproof Activity Tracker Smartwatch for iOS Android Phones

Fitness Tracker with 24/7 Heart Rate Sleep Blood Oxygen Monitor,IP68 Waterproof Smart Watch,1.10''AMOLED Touch Color Screen,Step Counter Health Activity Trackers for Women Men

Curve Smart Watch for Men Women, 1.91" Smartwatches with 120+ Sport Modes, Fitness Tracker with Bluetooth Call, Waterproof Activity Tracker Smartwatch for iOS Android Phones

GRADWYSE Education Master Hood Light Blue Graduation Master Degree Hood, Various College Colors Available

Asus ZenScreen 16” Portable USB Monitor (MB169CK) - Full HD, IPS, Dual USB-C, Eye Care, Flicker Free, Blue Light Filter, Anti-Glare Surface, 360° Kickstand, 3 yr Warranty

Asus ZenScreen 15.6” 1080P Portable Monitor (MB16ACV) - Full HD, IPS, Eye Care, Flicker Free, Blue Light Filter, Kickstand, USB-C Power Delivery, for Laptop, PC, Phone, Console, Antibacterial Surface , BLACK

ASUS ZenScreen 15.6” 1080P Portable Monitor (MB16ACVR) - Full HD, IPS, Eye Care, Flicker Free, Blue Light Filter, Kickstand, USB-C Power Delivery, for Laptop, PC, Phone, Console, Antibacterial Surface
![[New] RayNeo Air 3s Pro AR/XR Glasses - 201'' 1200 Nits 120Hz HueView 2.0 Video Display, Smart Gaming Glasses for iPhone 16,15/Android/Mac/Switch 2/PS5/SteamDeck - Next-Gen Personal Theater](https://m.media-amazon.com/images/I/61ikVEnR51L._AC_UL960_FMwebp_QL65_.jpg)
[New] RayNeo Air 3s Pro AR/XR Glasses - 201'' 1200 Nits 120Hz HueView 2.0 Video Display, Smart Gaming Glasses for iPhone 16,15/Android/Mac/Switch 2/PS5/SteamDeck - Next-Gen Personal Theater

2025 Portable Waist Fan 12000mAh Rechargeable Waist Clip Fan,6 Speeds 16000RPM Strong Airflow Personal Fans with Max 30H Working Time,Hands-Free Hanging Neck Fan,Wearable Belt Fans for Outdoor/Jobsite

Portable Air Conditioners, wobuzhi Evaporative Air Cooler with LCD Screen, Fan Speed&Spray, 7 RGB Lights,USB Powered,1-8H Timer, Personal Air Conditioners, Portable Air Conditioners for Home Office

GTOCE Portable Charger,40000mAh Power Bank with 22.5W Fast Charging LED Digital Display Battery Pack with 6 Outputs 2 Inputs, Type C Powerbank Portable Charger for iPhone 16 pro Samsung AirPods,Black

Wireless Power Bank 40800mAh,7-in-1 Portable Charger with 3 Built in Cables,15W Wireless Charging 25W PD QC 4.0 Fast Charging USB C LCD Display Battery Pack for iPhone 16/15/13/12,Samsung,Android etc

AsperX for Magsafe Power Bank, 10000mAh Wireless Magnetic Power Bank, 22.5W Wire Fast Charging Portable Charger with USB C Cable, LCD Display for Magsafe Battery Pack for iPhone 16/15/14/13/12

OYEAELX 3 in 1 with Built in Cable Portable Charger 15800mAh Cell Phone Battery Backup Ultra Slim Mini Power Bank with LCD Display Compatible with iPhone iPad Android Samsung Galaxy and More

Monster N-Lite 211 Wireless Earbuds, Bluetooth 6.0 Stereo Headphones with Noise-Cancelling Mic and LED Display, Built-in Mic for Clear Calls, Waterproof Design for Sports

Monster N-Lite 211 Wireless Earbuds, Bluetooth 6.0 Stereo Headphones with Powerful Bass, Built-in Noise-Cancelling Mic for Clear Calls, LED Display, 36H Playtime, IPX5 Waterproof Design for Sports

AOC 2025 Laptop, Laptop Computer with Processor 12th Alder Lake N97(Up to 3.6GHz) 16GB RAM 512GB SSD 15.6 Inch FHD Screen Premium Laptop Windows 11 Pro, Metal Shell, Type-C, WiFi, Bluetooth

TREE.NB M5Y1K HD4J0 14.8V 40Wh Battery Compatible for Dell Laptop Battery for 3558 3451 3551 5551 5555 5558 5758 Vostro 3451 GXVJ3 07G07 6YFVW K185W Premium Cells

EPASHA Sugar bowl,Solid Color Sugar Bowl with Lid, 480ml(17oz) Apple Shape Sugar Storage Jar, Sugar Pot, Sugar Container Spice Jar, for Coffee Bar, Restaurant, Home-Red-480ml (Color : Red)

VASAGLE Coffee Bar Cabinet, Kitchen Storage Cabinet with a Drawer, Farmhouse Cabinet Sideboard with Adjustable Shelf for Kitchen, Rustic White and Honey Brown UBBK341W01










