Jacob Tedla

Helping Gen Z Become More Financially & Academically Literate

Send a DM to work with me!!

[Jacob Tedla @TedlaJacob]

X … it’s been awhile!

Graduated, started my first big boy job, and a couple side hustles.

But I’ve been doing a lot of thinking and I’m coming back with a whole new direction — personal finance and study tips made for Gen Z.

I’ll be posting practical stuff — how to actually save, build credit, study without burning out, and get ahead without a trust fund.

If you’re here for it, drop a follow and share this with a friend who could use it.

Let’s grow together!!

[Jacob Tedla @TedlaJacob]

@ducksays What’s a good amount to invest if you’re in your 20s if you don’t have a house, spouse or kids? Even if they are still living at home or paying cheap rent?

[Jacob Tedla @TedlaJacob]

@DovySimuMMA In the 6 oz gloves too is crazier

[Jacob Tedla @TedlaJacob]

Maxing out your TFSA and FHSA in your 20's is a non-negotiable.

For my American followers, those are the Canadian equivalents of a Roth IRA.

Oddly enough, I think Canada has US beat here in terms of the rules and flexibility.

It's a shame that many Gen Z Canadians don't prioritize these investing/saving accounts.

[Jacob Tedla @TedlaJacob]

Everyone talks about finding time for the gym but not for your brain.

I work full-time, tutor, run businesses, and fight amateur. My mind would be lost if I didn't read, write, or study something every day.

[Jacob Tedla @TedlaJacob]

@yungbasediv respect g thats how you grow and earn!

[Jacob Tedla @TedlaJacob]

@yungbasediv How did it taste???

[Jacob Tedla @TedlaJacob]

@RoaringHammy Im really grateful for my job! But I think a good exit strategy would to be find another job/opportunity in a field that you like. Sometimes its not the 9-5 culture its the job

[Jacob Tedla @TedlaJacob]

Many of my friends obsess over which stocks to pick or timing the market.

Your savings rate matters 100x more than your returns in your 20s.

Saving $2k/month at 6% beats saving $500/month at 12% because you want to time the next Trump or Iran headline. 🤷‍♂️

[Jacob Tedla @TedlaJacob]

I noticed how the term “scarcity mindset” has been tossed around and villainized.

Penny-pinching on ramen while making $100k? Not healthy.

Having a budget and planning big purchases instead of impulse buying? That's financial literacy.

The problem isn't being intentional with money. It's mistaking intentionality for deprivation. And wealthy people know the difference.

[Jacob Tedla @TedlaJacob]

I started investing in mutual funds because that's what I was told to do.

Then I learned about management fees (MER) eating my returns and how much more tax-efficient ETFs are.

2% compounded for 60 years is a lot of money left on the table. Glad I got out while I could.

[Jacob Tedla @TedlaJacob]

@SparkingFIRENC It’s always the saddest things too see in the workplace

[Jacob Tedla @TedlaJacob]

@RoaringHammy As soon as I turned 18!

[Jacob Tedla @TedlaJacob]

@Leo_Traydes I do tutoring on the side pays about 45 bucks for 1 session and I do that twice a week. An extra 300-400 dollars a month goes a long way and I genuinely find value in helping my students

[Jacob Tedla @TedlaJacob]

@BitcoinTeacher_ People underestimate the power of compounding

[Jacob Tedla @TedlaJacob]

@ducksays Nope haha

[Jacob Tedla @TedlaJacob]

My average Tuesday:

6am: gym

8am-5pm: full-time job

6pm-7:30pm: tutor

8pm-10pm: write, read, or work on business

10pm: sleep

What does your Tuesday look like?

[Jacob Tedla @TedlaJacob]

I know people who got 20% raises and are somehow more broke than before.

They upgraded their car. Moved to a bigger place. Started eating out more... the spending scaled faster than the income.

You can't out-earn financial illiteracy. Fix your habits first and then worry about spending later.

[Jacob Tedla @TedlaJacob]

@BitcoinTeacher_ There is no shame in that I’m 23 and I do the same thing. I think it’s a very western concept of leaving at 18 years old to prove something. As long as you have good relationships with your folks I think it’s the biggest advantage a young person can have

[Jacob Tedla @TedlaJacob]

@SparkingFIRENC I’m terrible for not charging my phone at night hahah