gen z advice

When you’re in your 20s, you feel indestructible. You’re hip, healthy, and look good and there’s no way you’ll fall for the pitfalls that plague people as they age, whether it’s poor health, bad financial decisions, or deteriorating personal relationships.

Well, once most people reach 40, the idea that they’re indestructible has fallen by the wayside. You realize that you’re not perfect and are subject to the whims of Father Time, just like everyone else. At this point in life, you look back and think of everything you could have done to set yourself up for your second act. You start to consider whether you put enough effort into saving money, building friendships and working out.

The chasm between how we see life in our 20s versus 40s is the crux of an interesting conversation on Reddt’s AskReddit subforum. A user asked people in their 40s (younger Gen Xers and older Millennials) to help Gen Z by sharing the things people in their 20s don’t realize will affect them later in life.

Gen Xers are good people to for advice these days because they have recently entered a unique “sandwich generation” phase, where many are both caretakers for their elderly parents and their younger children. This gives them a better understanding of how your choices when you're younger affect you in old age. They also understand their children's fast-paced, tech-enabled world, many of whom are in their teens.

Gen Zers, on the other hand, are ages 12 to 27 and in the prime of their youth. So they’re either focused on becoming self-reliant adults or enjoying life as teenagers.

Here are 14 of the best answers to the question posed to people in their 40s: What do people in their 20s not realize will affect them later in life?

1. Be concerned about your parents' health

"What's really going to affect you is your parents' health, presuming they're still alive and you have a good relationship with them. If your parents live into old age, they will need more and more help. They won't understand how things work. They'll be more susceptible to scams. If they're like mine, they'll be stubborn and won't acknowledge their weakening faculties. Try getting someone who's driven for 60 years to surrender their license because their eyes aren't so good. And when one dies, the other will likely have fallen into a very co-dependent lifestyle, and the structure is completely destroyed. You know it's going to happen, but you don't realize how it'll manifest itself until it plays out."

2. Keep moving

"Don't stop moving. I started working from home in my mid-30s. I went from walking back and forth in the office from the printer to my desk 100 times a day, to not moving. I have major issues now, 14 years later. Part of those are caused by not moving! Get up and take a walk, dance, ride a bike, swim.

"Keep moving people, if you don't, you eventually won't be able to move without great pain!"

3. Protect your hearing

"Wear ear protection at concerts, dammit!"

"Wear ear protection AT WORK. I’m left-handed and almost completely deaf in my left ear from working on diesel engines most of my life. I’m 37."

4. Wear sunscreen

"Wear some freaking sunscreen. Skin cancer sucks!"

"I’m 41 and just got a bunch of sun damage lasered off my face yesterday. I was a lifeguard from 2002-2006. And regularly went to tanning beds until 2010 like all good Oregon Trail millennial girls back in the day. For the love, wear your sunscreen and don’t do what I did!"

5. It CAN be you, pt. 1

"Everyone thinks it won't be them: You won't get in a car accident, you're a safe driver. You won't get diabetes, you've always been good about sweets. You'd never fall for propaganda, you're too smart for that. You'd never end up in a cult, only gullible people believe in stuff like that. You'll never end up on the streets or in prison, you would never commit a crime. You'll never get cancer, that's something that happens to old people, or smokers, or people exposed to radiation. You'd never fall for obvious advertising, you're too smart to be caught by tricks like word choice or urgency or edited photos. You'll never fall for a scammer, you know better than that.

Become comfortable with the fact that things WILL happen to you. That you'll get sick or injured or develop a chronic illness. You'll get taken in by what, in hindsight, will be an obvious scam. That you'll believe someone's lies or end up impoverished or desperate, or if YOU were in such-and-such situations, you very probably would make the same mistakes that anyone in that situation would. Being aware that you aren't likely to be the exception to the rule is a kindness to yourself and others."

6. It CAN be you p. 2

"On the flipside of this argument...it CAN be you, so write that novel, make that indie movie, play in that band...do whatever it is that you're passionate about. Don't let your soul-crushing job rob you of the joy of your passions."

7. Understand compounding interest

"The power of compounding interest. For the love of god, start socking some money into your retirement as early as possible. Look at the charts online of the difference between starting to save a little when you’re younger versus how much you have to put away when you’re older to actually retire one day."

A great way to learn how the money you save today can be extremely valuable when you reach retirement age is to play around with this compound interest calculator. It may not seem like much, but 6% annual interest, compounded over a few decades, can turn into a lot of money.

8. Physical jobs are hard on your body

"That physical job is not paying you for the damage it does to your body. I did flooring for 18 years before I got out of it. I was a subcontractor and made great money. Until I realized that it wasn't enough to fix my joints. I have shoulder problems from carrying rolls of carpet and pad up endless flights of stairs. I was lucky and somehow my knees are ok."

9. Stretch younglings, stretch

"I’m a 27F who has been working from home since 2020. I never exercised or stretched until about a month ago, when I fully committed to a home workout routine. When I first tried to reach for my feet, I could barely bend far enough for my fingertips to touch my knees—it was painful! Thanks to daily stretches, I can almost reach my toes without discomfort. Progress! I’m getting there."

10. Beward of cynicism

"Cynicism. You'll disguise it as 'realism.' But you gotta get past that sh*t to wisdom. And even then, if you're lucky, you get a tiny kernel of wisdom. But it's better than sauntering through life feeling hard done by. I've moved on from friends who thought this way, people who don't lift you up and are only too happy to help you down."

11. People rarely change

"Avoid sticking with a person you are never going to change. Worst mistake ever."

12. Get rid of the negative energy in your life

"That includes bad habits and bad people... even if they're family. I've seen some people keep losers (male & female) around for far too long, and they got bogged down with their problems. then, when they needed help, the losers pulled them down even more.
the people you choose to have in your life can greatly affect the course of your life... make sure they're adding and not subtracting."

13. The bricks can bring you down

"People in their 20s don’t realize that every year they live isn’t just another trip around the sun; it’s another brick added to the backpack you’re carrying through life. When you’re young, that bag’s practically empty—light as hell. You’ve got a few memories, a couple of heartbreaks, maybe a regret or two, but nothing that really weighs you down. You’re sprinting through life thinking it’ll always feel this fresh and easy.

But by the time you hit your 40s, that backpack’s packed to the brim. Every relationship you’ve had, every choice you made—or didn’t make—starts to add up. It’s not just the passage of time; it’s the weight of that time. You’ve got the good stuff—family, love, achievements—but you’ve also got the “what-ifs,” the missed opportunities, and the regrets. Those regrets? Man, they’re like invisible bricks—things you didn’t even know would haunt you later. Not calling someone when you should’ve, passing on that one big risk, staying in a bad situation too long... all that stacks up."

14. Put effort into relationships

"I remember my best friend's father saying that in your 20s a social life is easy and natural. Keep strong connections with people who matter in your life. Divorce, lost a job, bankruptcy and illness—one or another are very usual in your 40's—can suddenly show how alone someone really is and hit hard. One is the most dangerous number."