If I was 20 again, I would not start by investing.

Not because investing is bad.
 Not because retirement accounts don’t work.

But because most 20-year-olds don’t have an investing problem.

They have a value problem.

In this episode of Before the Returns, Jaden explains why building skills, increasing income, and developing judgment matter more in your 20s than optimizing a small investment portfolio.

You’ll hear:

• Why “time in the market” isn’t the full picture
• How earning power can compound faster than investments early on
• The danger of chasing passive income before building active value
• Why control and personal development create stronger financial foundations
• What “roots before returns” really means

This episode isn’t anti-investing. It’s about order.

Because fruit doesn’t grow without roots.

If your income, your skills, and your judgment aren’t growing… your portfolio won’t save you.

Key Takeaways

• Most young adults should prioritize skill development before portfolio optimization
• Increasing income can have a larger early impact than small investment gains
• You are your most valuable asset in your 20s
• Control and personal development create long-term financial leverage
• Investing is important — but it shouldn’t replace self-investment

Reflection Questions

• Are you building roots — or chasing returns?
• What skill, if developed over the next five years, would meaningfully increase your income?
• Are you investing because you’re ready — or because you’re afraid of being behind?
• If your portfolio disappeared tomorrow, what would still make you valuable?

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Learn more at www.jadenzubal.com | Follow @jadenzubal | Join the *Before the Returns Weekly* newsletter

📩 Questions or ideas? Email: [email protected]

⚖️ Disclaimer: This podcast is for educational purposes only. It is not financial, tax, or legal advice. Always consult with a qualified professional before making financial decisions.