A few simple steps can lay the foundation for a lifetime of financial security

It's easy to underestimate the importance of early-life financial decisions. Photo: Getty

It’s easy to underestimate the importance of early-life financial decisions. Photo: Getty

Billionaire businessman Bill Gates famously said he never took a day off in his 20s. The dedication to work obviously paid off for him but there must be easier ways to make and manage money during those formative years.

For many, their 20s will be a time that will see them finishing full-time education, starting a career, progressing in that career and trying to get on the property ladder.