Looking at the fourth benchmark, this focus is moved to the offense of personal finance. More specifically taking action on income growth. Determining how to grow your income by focusing on making sure that you hit three key components to find the work that matters most to you. Your 20’s should be a decade of learning, to try things out, and to strategically explore. Once you land that job or start that business, looking at how to expand your abilities to invest will then be greatly important for long-term wealth-building.