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How to Build an Unfair Advantage in your 20s

Frugal Chic® #75: The Art of Engineering Your Own Privilege

Mia McGrath | Frugal Chic®'s avatar
Mia McGrath | Frugal Chic®
Aug 23, 2026
∙ Paid

I am a strong believer in being the exception to the rule.

I’ve always been an optimist. That doesn’t mean I ignore the challenges, but I honestly feel (as cringe as it sounds) that if you want to achieve something, you very much can - especially in the day and age of social media and content.

Let’s take me for example, on paper, I shouldn’t be doing what I am doing. I am not a finance expert, I don’t have a finance degree I don’t have financially literate parents.

I have privileges. I lived at home for 2 years after uni, I come from a stable home with supportive parents and I grew up middle class.

But I still am a ‘normal’ person. I went to a state school, was shy growing up and didn’t have a ton of financial abundance.

Now I have:

  • An £400k+ net worth

  • £100k+ saved and invested

  • 1m personal brand

And I’m 25.

I know this is completely unusual, but if you have an open mind and you’re actually willing to put the work in, you’re in the right place.

Today I want to break down how to achieve lucky girl syndrome.

And not in the delusional “I just sit there and everything magically works out for me” way.

I mean the kind of lucky girl syndrome where you intentionally put yourself in better rooms, around better people, with better ideas, so more opportunities can actually find you.

Because I think we need to talk about privilege differently.

Privilege isn’t always just something you are born with.

Sometimes, privilege can be created.

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