Most money advice for women in their 20s focuses on spending less, playing it safe and waiting until you feel “educated.” This episode makes the case for the opposite. 

In this episode, you’ll learn why conservative advice keeps ambitious women stuck, why waiting to feel ready to invest is a losing strategy, how to think about money as something you learn by doing and where to get information from. 

I share transparently the frameworks I use, how I think about risk, and how I allocate across different asset classes. If you’re a woman in your 20s who wants to understand money deeply, not just manage it cautiously, this episode is for you. 

Support the show by shopping The Upper Echelon here. 

Connect with me: 
Instagram: @dimitrovelena 
Twitter: @dimitrovelenaa 
YouTube: @twenty.something 

For women in their twenties becoming the most elegant, intentional, and magnetic version of themselves—without losing their values. Twenty Something is a weekly audio journal of quiet confidence, femininity, and self-respect, recorded as lessons to my future daughter. 

P.S. If you're reading this, say hi in the reviews. 

Keywords:
investing for women in their 20s, personal finance for women in their 20s, women and investing, aggressive investing in your 20s, how women build wealth early, investing early as a woman, money and investing for women, saving vs investing for women, how to start investing in your 20s, investing before you feel ready, financial literacy for women, women money mindset, calculated risk and investing, wealth building in your 20s, investing strategies for women, financial independence for women, money decisions in your 20s, women and long term investing, investing psychology for women, investing confidence, personal finance podcast for women, women and money podcast, investing mindset podcast, how women think about money, Twenty Something podcast

How to speak with quiet authority, stop being interrupted, and make people lean in, without raising your voice or losing your femininity. 

Support the show by shopping The Upper Echelon here. 

Connect with me: 
Instagram: @dimitrovelena 
Twitter: @dimitrovelenaa 
YouTube: @twenty.something 

For women in their twenties becoming the most elegant, intentional, and magnetic version of themselves—without losing their values. Twenty Something is a weekly audio journal of quiet confidence, femininity, and self-respect, recorded as lessons to my future daughter. 

P.S. If you're reading this, say hi in the reviews. 

Keywords:
feminine communication, feminine authority, elegant persuasion, how to speak with confidence, how to be taken seriously, women communication skills, powerful feminine energy, speaking softly with authority, how to stop being interrupted, status signals in communication, voice tone confidence, persuasive communication skills, graceful disagreement, high status speech patterns, concise communication tips, how women gain respect, executive presence for women, feminine leadership style, communication psychology, influence without aggression, calm confident speaking, how to command a room quietly, social intelligence for women, modern femininity, soft power psychology, boundaries in communication, saying less with impact, persuasive wording tips, how to speak so people listen, Twenty Something podcast

"A well-tailored suit is to women, what lingerie is to men." 

Support the show by shopping The Upper Echelon here. 

Connect with me: 
Instagram: @dimitrovelena 
Twitter: @dimitrovelenaa 
YouTube: @twenty.something 

For women in their twenties becoming the most elegant, intentional, and magnetic version of themselves—without losing their values. Twenty Something is a weekly audio journal of quiet confidence, femininity, and self-respect, recorded as lessons to my future daughter. 

P.S. If you're reading this, say hi in the reviews. 

Keywords:
what women want, things women love, dating psychology, female attraction cues, subtle attraction signals, calm masculine energy, how men attract women, modern dating advice, relationship dynamics explained, female perspective on dating, women discussing attraction, small things men do women love, body language attraction cues, taking charge dating, masculine leadership, standards in relationships, boundaries and attraction, respect in modern relationships, communication tips, dating insights for men, women psychology insights, Twenty Something podcast

This episode is a curated list of the most interesting ideas I heard this week. Topics covered: 

Branding & digital marketing 

• Why early growth comes from intentional seeding, not algorithms 
• How platforms throttle links and how to work around it 
• Why attention must come before action on Instagram 
• Why TikTok is poor for driving podcast or website conversion 
• How I apply these principles in my own work 

Habits & mindset 

• Designing habits intentionally instead of inheriting them 
• Why optimistic contrarians are rare 
• A practical definition of charisma 

Year-end self-reflection & goal-setting 

• A journaling format that forces you to confront who you were one year ago 
• Why traditional journaling often creates the illusion of progress 
• Two reminders that reframe effort, time and work 

Health & energy 

• Why energy crashes are often physiological, not motivational 
• How glucose affects focus and afternoon energy 
• A simple eating order that improves mental clarity 

Relationships 

• How women use the art of suggestion to get what they want 
• How to judge character on a first date 
• Why timing matters more than wording in difficult conversations 

Career 

• Why your career will accelerate faster with one clear strength 
• The worst thing is to be broadly "good" 
• Should you amplify your strengths or fix your weaknesses? 

Investing & money 

• How opportunity cost changes when you factor in hypothetical returns 

Support the show by shopping The Upper Echelon here. 

Connect with me: 
Instagram: @dimitrovelena 
Twitter: @dimitrovelenaa 
YouTube: @twenty.something 

For women in their twenties becoming the most elegant, intentional, and magnetic version of themselves—without losing their values. Twenty Something is a weekly audio journal of quiet confidence, femininity, and self-respect, recorded as lessons to my future daughter. 

P.S. If you're reading this, say hi in the reviews. 

Keywords:
curated ideas podcast, best ideas I heard this week, practical mindset shifts, behavior-changing ideas, digital marketing tips for creators, personal branding advice, podcast growth strategies, intentional habits, modern career advice, specializing in your career, strength-based career growth, health and energy optimization, avoiding energy crashes, glucose and focus, relationship communication tips, dating advice insights, when timing matters in conversations, journaling for self-awareness, reflective journaling practice, life perspective shifts, opportunity cost mindset, investing psychology, content curation podcast, Twenty Something podcast

Growing up in your twenties isn’t about doing more. It’s about choosing better. 

Listen to part one: Here 

In this episode, I share the biggest personal, professional and interpersonal lessons of my twenties. An honest look at what actually matters in your twenties, and what doesn’t. If I had to start over, these are the things I'd want to know. 

Support the show by shopping The Upper Echelon here. 

Connect with me: 
Instagram: @dimitrovelena 
Twitter: @dimitrovelenaa 
YouTube: @twenty.something 

For women in their twenties becoming the most elegant, intentional, and magnetic version of themselves—without losing their values. Twenty Something is a weekly audio journal of quiet confidence, femininity, and self-respect, recorded as lessons to my future daughter. 

P.S. If you're reading this, say hi in the reviews. 

Keywords:
twenties life lessons, what I learned in my twenties, life advice for women in their twenties, growing up in your 20s, navigating your twenties, self-improvement for twenty-somethings, elegant living in your twenties, intentional living in your 20s, feminine growth, quiet confidence, becoming more grounded, life clarity in your twenties, personal development for women, becoming the woman you want to be, building discipline in your twenties, simplifying your life, soft power, self-respect for women, modern femininity, choosing yourself, character building in your 20s, Twenty Something podcast, The Upper Echelon

In this episode, I share the biggest personal, professional and interpersonal lessons of my twenties. An honest look at what actually matters in your twenties, and what doesn’t. If I had to start over, these are the things I'd want to know. On confidence, discipline, self-respect, dating, friendships, career choices, solitude, simplifying your life, and chocolate soufflé. 

Support the show by shopping The Upper Echelon here. 

Connect with me: 
Instagram: @dimitrovelena 
Twitter: @dimitrovelenaa 
YouTube: @twenty.something 

For women in their twenties becoming the most elegant, intentional, and magnetic version of themselves—without losing their values. Twenty Something is a weekly audio journal of quiet confidence, femininity, and self-respect, recorded as lessons to my future daughter. 

P.S. If you're reading this, say hi in the reviews. 

Keywords:
twenties life lessons, what I learned in my twenties, life advice for women in their twenties, growing up in your 20s, navigating your twenties, self-improvement for twenty-somethings, elegant living in your twenties, intentional living in your 20s, feminine growth, quiet confidence, becoming more grounded, life clarity in your twenties, personal development for women, becoming the woman you want to be, building discipline in your twenties, simplifying your life, soft power, self-respect for women, modern femininity, choosing yourself, character building in your 20s, Twenty Something podcast, The Upper Echelon

In this episode, I talk through the etiquette habits that elegant women tend to follow instinctively, from social situations to daily interactions, and why people notice even when they can’t explain why. 

Support the show by shopping The Upper Echelon here. 

Connect with me: 
Instagram: @dimitrovelena 
Twitter: @dimitrovelenaa 
YouTube: @twenty.something 

For women in their twenties becoming the most elegant, intentional, and magnetic version of themselves—without losing their values. Twenty Something is a weekly audio journal of quiet confidence, femininity, and self-respect, recorded as lessons to my future daughter. 

P.S. If you're reading this, say hi in the reviews. 

Keywords:
modern etiquette tips, elegant manners for women, feminine etiquette rules, social grace basics, quiet confidence habits, everyday elegance, how to be more refined, classic etiquette made modern, social intelligence for women, elegant behavior tips, digital etiquette rules, hostess etiquette for beginners, chivalry explained, refined dining etiquette, feminine presence and poise, lifestyle polish, graceful communication, personal growth for women, Twenty Something podcast, The Upper Echelon

The most powerful alarm clock is the ritual you refuse to compromise on. In this episode, I share the way I fixed my habit of sleeping in and found a reason to wake up in the morning. 

Support the show by shopping The Upper Echelon here. 

Connect with me: 
Instagram: @dimitrovelena 
Twitter: @dimitrovelenaa 
YouTube: @twenty.something 

For women in their twenties becoming the most elegant, intentional, and magnetic version of themselves—without losing their values. Twenty Something is a weekly audio journal of quiet confidence, femininity, and self-respect, recorded as lessons to my future daughter. 

P.S. If you're reading this, say hi in the reviews. 

Keywords:
morning discipline, waking up early hack, feminine morning routine, intentional mornings, morning rituals, elegant habits, how to build confidence, how to become a morning person, feminine lifestyle routines, intentional living tips, everyday elegance, habit reframes, personal growth for women, morning inspiration for women, Twenty Something podcast, The Upper Echelon

We live in a world where most people chase beauty and status. Almost no one is building charm or character, which is why most people feel replaceable. This episode breaks down why charm matters more than beauty for women, and  character outweighs status for men. Building these strengths will change the way that you are seen and remembered. 

Support the show by shopping The Upper Echelon here. 

Connect with me: 
Instagram: @dimitrovelena 
Twitter: @dimitrovelenaa 
YouTube: @twenty.something 

For women in their twenties becoming the most elegant, intentional, and magnetic version of themselves—without losing their values. Twenty Something is a weekly audio journal of quiet confidence, femininity, and self-respect, recorded as lessons to my future daughter. 

P.S. If you're reading this, say hi in the reviews. 

Keywords:
feminine confidence, quiet femininity, charm vs beauty, what makes a woman magnetic, becoming more charming, graceful confidence, how to build feminine energy, timeless femininity, elegance and self-worth, modern masculinity, how to build character as a man, character vs status, quiet ambition, emotional intelligence and attraction, self-worth vs validation, soft power, depth over image, authentic confidence, intentional living in your twenties, becoming magnetic, lifestyle inspiration, Twenty Something podcast, The Upper Echelon

A collection of subtle ways to speak and behave that make a woman feel softer, more grounded, and feminine in the way she moves through the world. 

Support the show by shopping The Upper Echelon here. 

Connect with me: 
Instagram: @dimitrovelena 
Twitter: @dimitrovelenaa 
YouTube: @twenty.something 

For women in their twenties becoming the most elegant, intentional, and magnetic version of themselves—without losing their values. Twenty Something is a weekly audio journal of quiet confidence, femininity, and self-respect, recorded as lessons to my future daughter. 

P.S. If you're reading this, say hi in the reviews. 

Keywords:
feminine habits, how to be feminine, femininity tips, elegant woman habits, soft feminine energy, everyday femininity, graceful living, feminine lifestyle, modern femininity, how to feel more feminine, feminine energy practices, elegance and femininity, soft power, quiet confidence, feminine self-care, becoming more elegant, confidence and femininity, classic femininity, lifestyle inspiration, intentional living in your twenties, Twenty Something podcast, The Upper Echelon