I'm 28. Here's How To Get Ahead Of Most 20 Year Olds
By Dan Koe
Summary
## Key takeaways - **Your 20s are a tutorial, not the main game.**: The 20s are for preparation, not the main event. Maximize your potential now or risk repeating the same six months for the rest of your life. [03:18] - **Ignore advice from those without your desired life.**: Don't listen to the 99% who wasted their own lives and offer generic advice. Seek out and learn from the rare individuals who have achieved the life you want. [04:08], [06:13] - **Experience distractions quickly, then move on.**: Indulge in distractions like partying and smoking early on to recognize them as mistakes, rather than letting them drain your time, energy, and focus. [06:24], [08:21] - **Avoid jobs to prevent life stagnation.**: Getting a job consumes a third of your time and energy, leading to a low-energy state and a life you hate. Instead, start a business to gain control over your time, energy, and finances. [09:23], [12:48] - **Set goals that genuinely scare you.**: Pursuing ambitious, even uncomfortable goals fuels potent energy and intrinsic motivation. Set 10-year goals, focusing on one massive objective per year to expand your mind and actions. [14:45], [18:01] - **Make as much money as possible.**: Accumulating wealth supercharges personal growth and development. It's a skill to be learned, not a moral failing, and a poor relationship with money limits your life. [19:31], [21:23]
Topics Covered
- Why repeating your "peak" 20s experiences is a trap.
- Why you must ignore the 99% to find success.
- Why a conventional job psychologically castrates you.
- Why making money is a deeply spiritual practice.
- Self-actualize or self-sabotage: There is no middle ground.
Full Transcript
This video is going to piss some people
off because it's for a very specific
type of person and I'm going to sound
extremely inconsiderate to most people,
but that's the only way that I can get
the severity of this situation across.
So, with that said, consider the nuance
of my normal videos turned off as of
right now. The people who get angry with
the brutal honesty that's about to come
are often those who have pretty terrible
lives. They haven't grown past the age
of 20 to 25. They are the people who
have not yet realized that the best way
to make the most of your 20s is to make
them your worst. Because you really only
have two options. The first is to use
your 20s to become the person that you
were meant to be. And the second is to
repeat the same 6 months for the rest of
your life. If you don't nearly max out
your potential in your 20s, you can
simply observe society and see where
your life will probably end up. In
essence, you get stuck in this loop of
anxiety and overwhelm, and you just
attempt to live your past peak
experiences. You go to the same bars and
the same raves, and you play the same
video games. When you turn 20, you start
having the best peak experiences of your
life because you're old enough to try
new things now. But you haven't yet
realized that those should be and are
the lowest peaks of your entire life.
And so what happens is people register
those as, oh, these are the good days.
This is the peak experience. This is
where I feel amazing. And they try to
repeat that over and over again. And
when they're not doing that, they crave
the peak experience. They want the
euphoria that they associate with
happiness when happiness is not
euphoria. So the result of this is that
you just fill your entire life and it
becomes your routine to engage in these
extremely shallow activities that aren't
leading to a good life. And eventually
it becomes your identity. It just
becomes second nature. You shut your
mind off and you're just automatically
doing these things and it's very hard to
get out of. Most people plateau around
the age of 23. And then when you start
to ask them like what are you doing with
your life in a genuine way? You're
asking like hey like what are you doing?
Are you improving your career? What?
You're just talking with them. What are
you doing with your life? They
confidently say that I'm just living
life. Like they they label what they're
doing as living life. And these people,
they haven't come around to the
ramifications of staying the same
because they don't realize that there's
no such thing as staying the same.
There's only you get better or you think
you're staying the same, but you're
actually just getting worse. And that
worst doesn't show up until years later.
So, as you can tell in society, most
people turn 30 to 40 years old with the
emotional maturity of a 15-year-old. The
world rapidly pushes forward and it's
continuing to push forward even faster
while your mind, body, spirit, finances
stay in the same place when in fact
they're you're just digging them all
deeper into this hole. And the deeper
you get into this hole, the light at the
top is more difficult to see. And if
you're stuck in this 30foot deep hole,
how are you going to dig yourself out of
that? So, the purpose of this video is
to show you that your 20s are the
tutorial phase. They're not the main
game. They're the preparation, not the
main event. So, I just want to give you
three traps to avoid and three things to
do because I've been in this position,
right? I'm talking [ __ ] about these
people who get stuck and stay the same
for 6 months at a time when I was that
person. And I can confidently say that
my life has gotten substantially better
since I made the decision to stop doing
that. So, I want to help shine a light
of awareness in a way that can shift the
beliefs in your mind that allow you to
notice new opportunities and change
certain aspects of your life so you can
continue to get better. Not in a
self-improvement dopamine junkie kind of
way, but in a way that makes sense. If
you can set yourself up in your 20s,
your quality of life will only continue
to increase. And that's even when your
youth is no longer on your side. So, the
first trap is don't listen to anyone who
doesn't have the life you want. Because
the people who have the life you want
are extremely rare. They're less than 1%
of the population. And the other 99% of
people are those who just blabber about
how you should live your life when they
wasted their own. And if you listen to
them, then you're probably going to
waste your life as well. These are the
people where they are adamant on
convincing you that you should do
something in order to live a great life
because that's what they did and they
don't know what a good life could have
been for them. They're adamant on
convincing you that the greatest things
to do are the greatest things that they
did and those things aren't that great
at all. If you bring them your goals
that sound close to impossible, they'll
tell you to be more realistic. They'll
tell you to create a budget. They'll
tell you to invest your measly savings.
They'll tell you to go out and have fun
and make the most of your 20s when they
have no idea what making the most of
your 20s means. And then they will tell
you that during that time to set
yourself up in this boring mechanical
life through a thing called a job doing
work you hate until you turn 50 as if
that's some like twisted right of
passage, right? That that's all they're
focused on because they have this
industrial mindset. It's like, okay, you
need to go to school, get a job because
that's what your grandpa and great
grandpa and great great great grandpa
did. And they don't understand how
technology is changing career paths and
that you can actually do something
different. So, when you go and you take
that to them, they it doesn't even
register in their brain. It it puts them
into survival mode because they're
afraid that you aren't going to survive.
Many people say they want the best for
you, but in reality, they just don't
want to feel inferior to you. So you
have my permission and you should give
yourself permission to ignore most of
what these people say. Just practice
deliberate ignorance. You can entertain
the thought, but don't let it into your
mind. You need to do your own
independent research and you need to
actively search for the less than 1% of
the population that have the life you
want. And you need to listen to their
advice. Take it, experiment with it.
still don't take it as law, but you
eventually need to take the best parts
of the people who have the life you want
and you need to turn it into your own
through trial and error. Now, the second
trap is to get your taste of
distractions fast because most people
treat their youth as a currency instead
of investment capital. They party and
they smoke and they watch Netflix at
night and they just lounge around all
day. And those things aren't necessarily
bad and they aren't the end of the world
in and of themselves, but they destroy
the benefits of being young where you
have time, you have energy, and you have
focus. Now, I was a dumb college kid,
too, but the distinction there is that I
was always working on something that
would somehow buy my freedom. I didn't
know what that was. I was just working
on various opportunities that I was
researching and coming across in terms
of starting a business or getting
healthy or learning how to master my
mind. I was always into
self-improvement. Not what
self-improvement has become, but in
bettering myself because I knew at such
a young age that I didn't want to end up
overweight, obese, low energy,
financially unstable. I wanted to take
control of those things fast. And I can
tell you just by like trying just an
hour a day, even when I was in college
and I was partying and I was doing all
of these things, I still felt the desire
to set aside time to research and try
things and build things. And even though
most of them failed, when you actually
try something, when you do something in
reality, that's when you learn. So if
you continue to do it over time, try and
fail. It doesn't matter if the business
doesn't take off because you stack all
of these skills that lead into something
working in the future when all of the
right pieces come together. So, I'm not
telling you to get rid of these
distractions altogether. I'm not telling
you to stop partying. I'm not telling
you to stop smoking weed or doing
whatever it is that you do that is
draining your time, energy, attention,
focus. But it would be wise to get your
taste of them quickly. That way you can
recognize them as mistakes, but you
won't recognize them as mistakes unless
you have a goal that you are actively
working toward. Because in order for a
goal to have gravity for you to be
disciplined or motivated to achieve that
goal, you have to have some form of
energy invested into it. You need to
spend a month working toward a goal so
that you actually feel the pain of no
longer working toward it or you can
register the smoking weed or being lazy
or eating junk food as a mistake.
Because if you aren't, let's say, going
to the gym as a goal, then the alcohol
isn't going to take away your
performance at the gym. If you are not
working on a business, then again, the
alcohol, the partying, the weed, it
isn't going to affect your mental
clarity for making more money inside of
the business. Most people aren't working
towards meaningful goals. So, all of the
distractions that they're engaging in
aren't distractions to them. So, the
third trap is to do everything in your
power to not get a job. And this one is
more personal to me because this is what
I did and it drastically changed my
entire life because when I was around
the age of 15 years old, I just had this
insight. I don't know where it came
from. It just came to me. The insight
was that if I got a job like most
people, I would end up like most people.
And when I look at most people's lives,
I would understand that right as I
accepted the job, a third of my time
would be taken from me. That that's
insane. a third of my time that I could
use to better myself, do what I want,
other things of that nature, create a
type of work that I enjoy so that I
don't hate a third of my life. It just I
I don't know how that doesn't register
to certain people. But then on top of
that, another third of my life would be
spent in this low energy state right
after work when I'm drained from putting
in energy to something that I hate. And
you become what you focus on. So if you
focus on something that you hate, you're
going to become something that you hate.
and the other third of your life when
you get back from work, you're just
drained. You don't want to do anything.
I remember when I was working uh as a
web designer at my 9 toive job. I I had
been in the gym for my entire teenage
years. It was very important to me. And
that was the only time that I've ever
started skipping the gym, right? I
didn't want to go after work because
that would just extend how much less
free time I had to myself. I would go to
work from it would take an hour to
commute. So I'd get I'd leave at 8, get
there at 9:00, clock out at 6:00 because
an hour lunch and then that doesn't
count to your towards your 9 to5 and
then it's like okay I'm going to drive
to the gym 10 minutes work out at the
gym maybe an hour drive back home an
hour and then I just have to go to bed
if I want to get my sleep and actually
live a healthy life and being healthy to
me was a value then that sounds
horrible. Now, the reason that I put
this section at this point in the video,
because if you've reached this point of
the video and you agree with most of the
things that I've said, you have similar
goals, then I don't feel bad about
saying this or prescribing this as a
piece of advice and blanketing it. But
the piece of advice is that you need to
start a business. I know what type of
person you are. You need to start one
right now, and you need to begin working
on it, and you need to make it a
success. You're not the type of person
that's going to go furiously in the
comments and say, "Oh, not everyone
should start a business because you are
the person who wants full control over
their time, energy, focus, and money."
You understand that the good life and
flow states and anything good in life
stems from an increasing level of
challenge that is matched by an
increasing level of development in your
mind, body, spirit, finances, etc. And
at 99% of jobs, I'm not talking about
the 1% that 99% of you aren't going to
get. At the 99% of jobs, the level of
challenge just stops after like 6
months, right? You get used to the job.
You've gone through the tutorial phase
of the job. You're working on the task.
It becomes normal to you. And then you
just get into this repetitive routine of
wake up, go to your computer, go to the
office, wherever you go, and just do the
same thing day after day. And that's a
great way to waste 40 years of your
life. It psychologically castrates you.
And if you don't believe me, just
research psychology for a year and you
will understand exactly what I'm saying.
Now, if this is one of your first
businesses that you're starting, it
doesn't really matter what kind of
business you start. Because what you do
2 to 3 years from now will be completely
different. You are simply starting a
business and trying to make money
because you aren't going to learn how to
make money or start a business until you
do it. There is absolutely no world
where you're going to watch 40 hours of
YouTube and read 10 books and magically
within a year build a million-dollar
business. It isn't going to happen. You
have to go through the trial and error.
You need to start whatever it is and
then learn along the way to overcome
roadblocks and you pivot along the way.
you're going to start with a personal
brand or a software company or an
e-commerce through drop shipping or
whatever the flavor of the day one is
right now. One thing I would recommend
is just doing something that is popular
on YouTube because it if if it is
popular, that means that yes, even
though it's saturated, it works. So,
just keep a finger on the pulse of the
newer business models that are coming
out. And if you actually commit to it,
which 99% of people don't, then you will
probably make 10 to 100K a month if you
actually have a bone in your body that
can improve and iterate and not quit
after 2 weeks. Those who are not in the
game just don't understand how little
competition there actually is. Just
because you're scrolling on social media
all day or you see all this success,
these successful businesses popping up,
it's like 10 to 50 people that you're
seeing. That's it. maybe a 100, maybe
200. Out of 7 to 8 billion people on
this planet, the echo chamber that
you're in is so incredibly small, it's
actually mind-boggling. The only
successful people in an online business,
as one example, are those who just don't
care if there's competition and know
that they can grab their piece of the
pie, too. Now, on to the first thing
that you should do. We just went over
the three traps. Now, we're going to go
over the three things you should do. The
first is to set goals that [ __ ] scare
you. And when I was mapping out this
video, I I felt like this ball in my
chest of emotion of thinking back to the
time where you think to yourself like, I
can't believe how far I've come. Right?
You don't see how far you've come until
you reflect on it and look back and see,
wow, I've actually accomplished all of
these things. When you're an executor,
when you're an action taker, you're a
doer. You just do things, right? It's
just a part of you. It's what you do.
You can't wake up and not make some form
of progress. And so when you look back,
you're like, "Holy crap." Like, I
actually made it that far. I published
two books and it doesn't even feel like
I published two books. Like, I feel as
if I've made my younger self proud
because little Dan never would have
freaking guessed that I would have
actually written two books or been the
CEO of a small and scrappy startup
company or built such a wide influence
on the internet. Like, he wouldn't have
even thought of that. Now, the problem
with this is that the pursuit of
greatness is often shot down by people
who never do anything great. They see it
as shallow or materialistic or they see
getting rich or achieving goals as just
that. They they only pinpoint it. They
put a spotlight on that and they're
like, "You're a bad person because you
want to make money or you want to be
famous." I don't want to be famous, but
that's like I don't consider myself
famous either. I think I have a pretty
large influence, but that's the
byproduct of creating value in the way
that I'm creating it, such as a YouTube
video. But these people don't understand
that there is something there. There's
something deep. In my personal opinion,
the deepest and most meaningful things
come from the pursuit of materialistic
or shallow things. Because you can only
reach the depths once you've scratched
the surface, once you've started digging
down. And by not pursuing anything but
the domain of spirituality, which that's
only one domain. There's also the
material, the money, the mind, the body,
the health, etc. You you have to do all
of these things if you actually want to
become a well-rounded individual. And
the thing with pursuing these goals that
scare you or even scare your younger
self or that your your younger self
wouldn't have even conceived is that it
it just that alone is a source of energy
that is so potent that even the world's
strongest stimulant just can't compare
to it. It feels so good. And that's not
sustainable. Don't try to sustain it.
But I'm sure you felt that when you're
pursuing this big grand vision that is
just a massive source of intrinsic
motivation. It's like a cosmic pull that
is just calling you to become your
higher self. It's your calling. It's a
self-imposed calling. So to replicate
this, I want you to pull out a sheet of
paper and I want you to write at the top
10 goals 10 years. And I want you to
write down 10 goals that make you
physically uncomfortable for one year at
a time for 10 years. And then you're
just going to focus on one massive goal
per year. Why? Because your mind expands
to fill the goals set for achievement.
It's like Parkinson's law, but for
goals. And because building a $1 million
company takes almost as much effort as
building a $100 million company. And if
you don't believe that, you don't
understand it. You don't understand that
when you set a massive goal, it changes
the actions that you take. If you're
trying to build a $1 million company,
you're going to take $1 million actions
because that's your goal. If you try to
build a $100 million company, you're
going to go down a pretty different
direction in order to get there. And you
only have 8 hours of work in you a day.
It takes the same freaking amount of
effort. And one could even argue that a
local coffee shop owner or a restaurant
owner works so much harder than someone
who has started an online business and
they make so much less because the goal
of it is much smaller. The opportunity
in it, the leverage in it is much
smaller. Now, there's lots of context
missing there and there's obviously ways
to build chains of these coffee shops or
other things of that nature, but we live
in 2025 and for most people, starting an
online business is a lowerc cost way to
go with a much higher upside. And with
the internet, it's a lot more common now
that hard work doesn't lead to much in
isolation. You can spend 10 years
writing a book and that doesn't mean
that that book will get you rich. It
doesn't mean that people will read it.
It doesn't mean that it's good. Now, the
second thing to do is to make as much
money as you can. Why are we trying to
make as much money as we can? Are we
doing it because we're bad or because
we're evil people who just want to make
a lot of money? No. We're actually doing
this as a way to supercharge the growth
and development that we have throughout
our 20s and our 30s because money is
tricky, right? So many people don't see
it for what it is because it's so
intimately tied with our self-worth and
our morality and our survival. So when
people try to make money or hear about
money, they have all of these beliefs
about it that they don't think they can
change or they register those beliefs
that were conditioned into their head as
truth. Your parents tell you to save
your money. Your pastor tells you to
shun money or not worry about it. And
your culture that runs on money tells
you it's not important. And so you
listen to all of these things and then
you just get piled into the ground
because you have these bills stacking
up. You can't get what you want in life.
And you feel guilty or bad for pursuing
something that you want in life and you
start to think that you can't make money
and be a good person at the same time
with that is just categorically false.
So am I telling you to make a bunch of
money and be evil? No. I'm telling you
to develop yourself, develop your mind,
and develop your finances so you are a
well-rounded individual who can make
their own decisions when it comes to
money because you've experienced it.
Very few people actually decide to see
beyond the virtue signaling that is
rampant on social media and everywhere
else and form their own opinion about
what money is and what it can do for
you. I do not care how spiritual you are
or how intellectual you are. If you have
a poor psychological relationship with
money, you are not as developed as you
think you are and you are not living as
good of a life as you think you are
because money is involved in almost
every single decision you make. And if
you have a poor relationship with it,
then your life is going to be pretty
terrible. And we don't live in
pre-industrial times anymore. No, you
are never going to go back and live like
your ancestors, not in a modern world.
You aren't going to go back in time. And
so the objection here is okay but Dan
what if I just want to make as much as I
need and that's perfectly fine but again
you are limiting the level of challenge
that you can take on in any domain of
your life. You can be mostly happy and
satisfied and that's great. A lot of
people live great lives, but for those
listening to this, I think you will
resonate with the fact that you don't
want to reach a point where you relive
the same 6 months over and over again
for multiple years for the exact reasons
we stated at the beginning of this
video. And there are very few things
that you can continue to progress at
that aren't your work, your mind, your
body, your spirit, and all of those
things are intertwined and you need to
survive. Entrepreneurship and value
exchange is an infinite game. Now, as
dangerous and as evil as money can be,
you can't build rockets or feed the
world without it. Money is a globally
accepted form of value. And if money
just ceased to exist or people started
making less, the world would get bad
very fast because people don't work when
they aren't motivated with a reward.
That doesn't have to be your only
reward, but that's why people work. Now,
we're going to talk about this in like
two videos from now. The next video is
going to be on the three decisions that
will make you rich. And then after that,
it's how to learn anything in two weeks.
So, with that, making money is a skill.
You just it's so tied in with your
identity that you don't see it as
something that you can practice and
improve. We're going to talk about how
to learn anything in two weeks in that
video. But for now, just understand that
making money is like learning a language
or learning how to play the guitar. The
difference is that when you try to make
money, one, you need another person
involved and you usually need to
interact with other people. That means
that your ego is going to come into
play. Your values and beliefs are going
to come into play. When you're playing
the guitar, it's pretty obvious. You
just pick a song, you try to play it,
you look up how to play that specific
note, then you continue learning how to
play the notes, and then eventually you
can play the song. And then you picked
up techniques, and you go to play
another song, and then it's easier, and
then it's easier, and then it's easier.
The thing is that with instruments or
video games, so many people are okay
with playing video games and getting so
good at them. But with those, there's no
risk. It doesn't matter if you fail.
With making money, it matters if you
fail. And that's exactly why it's
important to do because that's how you
practically overcome caring about what
other people think or managing your
emotions. Entrepreneurship and making
money are deeply spiritual because you
experience more negative thoughts,
negative emotions, negative experiences
that you can work through. When you're
stuck meditating all day or you're only
worried about these minor irrational
things in life, you're not actually
putting weight on the bar. You aren't
bench pressing 315 pounds with your
mind. You're lifting a five pound
dumbbell because you're upset that
someone cut you off in traffic. That's
not a high magnitude. That's not a high
weight that you're training with to
build more mental muscle to make
yourself more capable. Now, the third
thing to do or to focus on is to
self-actualize. Because if the
overarching aim for the entirety of your
life is not to self-actualize, then it's
to self-sabotage. So every single action
that you take should align with the
purpose of self-actualization. And if
they don't, then I would assume that you
don't have a deep reason behind why you
do what you do. And it's extremely
difficult to explain the gravity of this
because most people don't think about
the outcome of their actions. They have
a myopic focus on short-term pleasure
that slowly beats them into a pulp
without them realizing it until decades
down the road. That is the worst
possible place you could imagine
yourself. Health issues that caught up
with you, a mind that can adapt to the
changing technological landscape. The
actions you took were never a fully
conscious choice, so they never led to
anything great. I shouldn't have to
explain the decades of psychological
research that have amply dissected human
needs and development. I shouldn't have
to explain that if you don't
self-actualize, you will experience a
world of unnecessary pain and you won't
know what to do about it. So for your
own good, you need to train your mind to
zoom out. You need to make it a habit to
adopt the perspective of the highest
version of yourself and consult with
them before you make a decision. It
needs to become more than second nature.
It needs to just become the thing that
you automatically do that when a
decision comes up that is important, you
consult with the higher version of
yourself. Who do I not want to become?
Who do I want to become? Or what life do
I not want to live? What life do I want
to live? And then you allow your
decisions to be shaped by those answers.
And you don't need to be perfect. You
don't need to make every perfect
decision in life. You just need to
understand that most people never make a
conscious decision in their life. and
that if you simply do that, you will
live a better life than them. Now, if
you want to read more about human
potential or becoming future proof or
learning AI and business and internet
stuff, subscribe to my Substack. The
link for that is in the description.
Other than that, thank you for watching
this video. I'll see you in the next
one. Bye.
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