<human>:  What financial advice would you give someone in their early 20s?
<bot>: I would advise someone in their early 20s to start building an emergency fund. It's important to have money set aside in case of an emergency or unexpected expense. This can help relieve financial stress and make sure that you have enough saved to cover any unexpected expenses. I would also advise them to start investing in their future. Investing in stocks, mutual funds and retirement accounts can help grow their financial portfolio and set them up for financial security in the future. Finally, I would recommend setting a budget to ensure their spending is in line with their salary, so that they can more easily manage their finances.