{"id":94569,"date":"2025-06-06T14:18:08","date_gmt":"2025-06-06T18:18:08","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=94569"},"modified":"2025-06-06T14:42:38","modified_gmt":"2025-06-06T18:42:38","slug":"your-money-journey-a-starting-point-for-young-people","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/drive\/your-money-journey-a-starting-point-for-young-people\/","title":{"rendered":"Your Money Journey: A Starting Point for Young People"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\"><\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h4 class=\"wp-block-heading\" id=\"h-tldr\">TLDR<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Making room in your budget for essentials, savings and a bit of fun can provide financial fulfillment and security<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Paying down your debt faster can free up money you\u2019re otherwise spending on interest<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Setting financial goals can keep you motivated!<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Don\u2019t try to keep up with what you see on social media \u2013 living within your means pays off big time<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>No matter what stage of life you\u2019re in, talking about money is rarely easy. Students, newcomers, couples, retirees, parents and those starting over all face different money challenges, but there\u2019s one thing that\u2019s common \u2013 talking about them can make all the difference. RBC\u2019s new video series \u201cThe Drive\u201d aims to make these real-life conversations more approachable, bringing everyday Canadians together, to share in the dialogue.<\/p>\n\n\n\n<p>In this episode,\u00a0 Jesse Jones drives through Guelph, Ontario with three passengers who talk through their goals, anxieties and experiences.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Starting your financial journey can feel like juggling flaming swords \u2013 student loans, rent, groceries, and oh, a little fun money if there\u2019s anything left. Sound familiar?<\/p>\n\n\n\n<p>Balancing your quest for financial independence with the realities of financial responsibilities isn\u2019t easy, but it is doable. Here\u2019s how to find balance as you\u2019re starting out.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-make-room-for-the-things-you-need-and-the-things-you-want\">1. Make room for the things you need, and the things you want<\/h2>\n\n\n\n<p>Managing your money starts with making space for the essentials, a bit of fun and your future. There are a few ways you can do this. One common approach is the 50\/30\/20 rule, where:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>50% of your income goes to essentials \u2013 think debt repayment, rent, groceries<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>30% goes to wants \u2013 a night out, new sneakers, a phone upgrade<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>20% goes to savings \u2013 for both short-term and long-term goals<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>You may need to tweak this breakdown depending on your specific situation, but the key is to set some benchmarks so you can get the most out of the money you earn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-make-a-plan-for-your-debt-repayment\">2. Make a plan for your debt repayment<\/h2>\n\n\n\n<p>Whether you owe money on student loans or are carrying a credit card balance, it\u2019s important to have a plan for paying it down. After all, debt can get in the way of reaching your financial goals as the longer it hangs around, the more interest you end up paying \u2013 and that\u2019s money you could use for other things! Here are some basics to keep in mind:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Cover minimum payments first<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Focus on paying off high-interest debts (like credit cards)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Once that\u2019s handled, tackle lower-interest debts, like student loans<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-take-advantage-of-the-gig-economy\">3. Take advantage of the gig economy<\/h2>\n\n\n\n<p>If making ends meet is a struggle, think about ways you can boost your income with a side hustle. Today\u2019s gig economy has made this easier. Whether it\u2019s as a ride share driver, tutor, dog walker, babysitter or freelancer, a bit of cash on the side can help bridge financial gaps. Just remember to balance your side hustle with self-care to avoid burnout.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-set-financial-goals\">4. Set financial goals<\/h2>\n\n\n\n<p>Goals can give you something to aim for, which can help you stay diligent with your savings. Paste them to your bathroom mirror if you need extra motivation!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-live-within-your-means-don-t-try-to-keep-up-with-social-media\">5. Live within your means (don\u2019t try to keep up with social media)<\/h2>\n\n\n\n<p>Has this happened to you? A friend-of-a-friend on Instagram posts about their new fancy car, while wearing a designer jacket and shoes you know cost a fortune. You think \u2013 <em>how did they get so far ahead? I deserve designer clothes and a new car too!<\/em><\/p>\n\n\n\n<p>It\u2019s natural to feel a pang of envy when you see flashy posts, but remember, most people don\u2019t post about their struggles. Living within your means provides a freedom that those living with long-term debt can\u2019t enjoy. You\u2019ll reduce financial stress, sleep better, and eventually have money to spend on the things that are truly important to you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-use-money-hacks\">6. Use money hacks!<\/h2>\n\n\n\n<p>Keeping up with bills, loan repayments and savings can feel a little overwhelming. But automatic payments can make it all super easy.<\/p>\n\n\n\n<p>You can set up automatic payments to a loan, credit card or savings account, where you simply set an amount, frequency and timeline and the money is withdrawn directly from your account \u2013 you don\u2019t even have to think about it. You can also set up automatic bill payments with your cell phone or utility companies so you never miss a due date.<\/p>\n\n\n\n<p>Here\u2019s another hack: If your employer offers RRSP matching, sign up! This is essentially free money to grow your future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-7-talk-to-someone\">7. Talk to someone<\/h2>\n\n\n\n<p>There\u2019s a misconception that you need to have a chunk of money or lots of investments before you can talk to a financial advisor. That\u2019s just not true. Think of a financial professional as your money coach \u2013 they\u2019re here to help you create a plan and cheer you on. Remember, talking through your challenges is one of the best ways to come out on the other side of them.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/\" data-dig-id=\"LP-94569-ab356ddb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn how\" class=\"rbc-link-format\">Learn how<\/a> to build good financial habits to reach your goals.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>When you\u2019re starting out, finding a balance between financial independence and financial responsibilities can feel overwhelming. But it is possible!<\/p>\n","protected":false},"author":112,"featured_media":94573,"parent":94385,"menu_order":0,"template":"wp-custom-template-mmm-sticky-nav","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[517,520,525],"rbc_content_type":[147],"rbc_audience":[],"rbc_lob_group":[506],"rbc_difficulty_level":[33],"rbc_mmm_category":[318,367,304,582],"class_list":["post-94569","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-budgeting","tag-managing-money","tag-students","rbc_content_type-video","rbc_lob_group-ways-to-bank","rbc_difficulty_level-beginner","rbc_mmm_category-banking-basics","rbc_mmm_category-budgeting","rbc_mmm_category-money-academy","rbc_mmm_category-drive"],"acf":{"contently_publication_id":"","custom_author":"Diana Amato","rbc_video_header":"https:\/\/youtu.be\/lflGi-g3zuQ","rbc_media_duration":"4:28","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":"Generate Table Of Contents"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"When you\u2019re starting out, finding a balance between financial independence and financial responsibilities can feel overwhelming. 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