Here’s What Happens To Your Skin in Your 20s (And What to Do About It)
While you’re out living your best life as a twenty-something, your skin is experiencing some major transformations. Acne might have been your top concern as a teenager, but now it’s all about premature signs of aging and, subsequently, prevention. “The first age indications typically start a decade after you get your learner’s permit,” Seattle-based dermatologist Heather D. Rogers explains.
Before you panic about forehead wrinkles and age spots, it’s not as bad as you think. Read on to get the scoop of what exactly is going on — and what to do about it.
Congratulations, you made it out of your teens and into your roaring 20s — and boy, can it be roaring. Debra Jaliman, a board-certified dermatologist in New York City, says during this time your hormones can still fluctuate, but it’s typically much less intense than in your teenage years. And while breakouts can continue to occur, they may not be as severe as they seem (also, side note: No one is staring at your pimple, trust us). (Photo via Youngoldman/ Getty)
One of the best things about your complexion right now (and throughout the entire decade)? Your collagen production. “In your early 20s, your skin looks bright, bouncy, and plump due to the favorable levels of the naturally occurring protein in the body,” says Jaliman. But, while your levels might be on point, its production rate also starts to slow during this time, which sets the stage for the appearance of fine lines and wrinkles over time. “Your skin produces about one percent less collagen each year,” Alissia Zenhausern (AKA Dr. Zen), a board-certified naturopathic physician in Scottsdale, Arizona, explains.
To preserve your youthful visage, Jaliman recommends starting a daily beauty routine, if you don’t already have one. “This should consist of cleansing, exfoliating, toning, and moisturizing,” she says. “The earlier this routine is started, the better off you will be in terms of a healthy complexion and prevention.”
In your mid 20s, watch out for sins of your past making an appearance in your present. “If you [were] a sun-worshipper in your younger years, you may start to see some sun damage at this age,” Jaliman explains. While it’s not entirely possible to get rid of sun damage, you can fade visible signs and incorporate certain ingredients, like hyaluronic acid and antioxidants, into your routine to stop them from getting worse. “Hyaluronic acid boosts moisture retention and prevents/diminishes fine lines,” Jaliman explains. Using a product — especially a sunscreen, which protects your skin from more damage — with these ingredients can help fight the visible effects of environmental skin damage. (Photo via Jacob Ammentorp Lund/ Getty)
Another change to consider? “During your mid 20s, your skin, which used to turn over cells very quickly, starts to slow down,” warns Zenhausern. “This means that dead cells can build up more easily on the surface and can cause discoloration. It can also cause your skin to lose its elasticity.” Luckily, there are some products to help neutralize the effects of an aging visage. As Jaliman mentioned, using a product with hyaluronic acid and antioxidants work together to add moisture back in the skin — AKA give it that supple look — and brighten, tone, and even fade some premature spots and wrinkles.
As you probably could have guessed, the aging process continues to amp up in your late 20s. While you’re still too young to notice some of the more visible effects that women with mature skin experience, your tanning and skincare habits can really start to show at this age. “Your collagen production has slowed down enough to cause the presence of small fine lines,” says Zenhausern. “It is really important to note that the way you take care of your skin in your 20s will influence how soon you develop the signs of aging in your 30s and 40s.” (Photo via shironosov/ Getty)
By now, you should have a skincare routine that consists of cleansing, exfoliating, toning, and moisturizing — but the products you used in your early 20s won’t cut it. Today — this very moment — is an excellent time to dive deeper into the world of anti-aging ingredients. “Looking for products with retinol is ideal at this age and beyond,” says Jaliman. “Retinol stimulates a quicker renewal of skin cells and aids in forming new collagen — it will make the skin thicker and make wrinkles less noticeable.” In addition to retinol, using serums and other products with hyaluronic acid can plump the skin and make fine lines less noticeable. You might also want to start thinking about peptides, which can firm and tighten skin and also improve collagen production.
How have you changed your skincare routine in your 20s? Tell us @BritandCo!
Welcome to Selfmade Finance School, our new money series with Block Advisors to help small business owners with their tax, bookkeeping, and payroll needs year-round. This week, we explore the tax implications of bringing family members into your business.
The question for today is this: Does hiring your family members make sense for your business? Let me be clear. This is not a piece about whether hiring your family members makes sense for your relationships with those family members. As someone who is part of a family business, I could fill up a lot more than 600 words on my opinions about that. For today's purposes, we focus on whether it makes sense from an overall "good business and tax implication" perspective. As it turns out, there is a decent amount of tax nuance when it comes to employing your family. Let's break it down based on relationship to the employee:
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Spouses Who Are In Business Together
Personally, if I had to be in business with my husband, it would not go well. However, many couples build viable, strong businesses together and I say, good for them! Depending on how you have your business entity structured, it will make a big difference on the tax treatment of you and your spouse working as partners. Because a business jointly owned and operated by a married couple is generally treated as a partnership for Federal tax purposes, the spouses must comply with filing and record keeping requirements imposed on partnerships and their partners. The election to file two Schedule C (Form 1040) forms, (one for each spouse) permits certain married co-owners to avoid filing partnership returns, provided that each spouse separately reports a share of all the businesses' items of income, gain, loss, deduction, and credit. Under the election, both spouses will be subject to self-employment tax and on net earnings from self-employment and receive credit for Social Security earnings.
One Spouse Employs Another
If you have a dynamic where your spouse is an employee of your business, then your spouse's wages are subject to income tax withholding, Social Security and Medicare taxes. If you are self-employed (not a corporation or a partnership), your spouse's pay does not have to be included in your federal unemployment tax account (FUTA) contributions and payments. However, if your business is a corporation or a partnership you must include that spouse's pay in your unemployment tax contribution calculation.
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You Employ Your Child
First, let's be clear. I work in my family business, but I am an adult, so I am treated just like a normal employee. However, if you, for example, run a family restaurant and want to hire your children under 18 to work for you, there are some tax benefits. But first, you should check with your state for rules on how many hours minors can work (in non-agricultural jobs) and reference the Fair Labor Standards Act for information on limitations on the kinds of work children can perform.
"This is an often overlooked or under-utilized strategy. Paying your children for true services they provide in your business can be a powerful tax-saving tool," says Cathi Reed, Block Advisors Regional Director. "If you are a sole-proprietorship or single member LLC, and the child is less than 18 years of age, the business is not required to withhold FICA or payroll taxes. The child can use his or her standard deduction against income you pay."
You Hire Your Parent
Oh dear. If you are brave enough to do this, know that you will need to pay Social Security and Medicare taxes on your parent's wages and make the appropriate withholdings, but you don't have to pay unemployment taxes. Now all you have to do is convince your parent that you are the boss. Have fun with that!
Is Hiring Family Members Worth It For The Tax Benefits?
"There are some positive tax advantages to hiring family members. It's important to treat a family member like any other employee. Hiring your children can result in substantial savings for businesses. Make sure your child has real, age-appropriate work to do and a reasonable pay rate, comparable to other employees. Consult with a Block Advisors small business certified tax pro to ensure that you are complying with all requirements," advises Reed. "Block Advisors, a team within H&R Block, is dedicated to meeting the tax, bookkeeping and payroll needs of small business owners year-round. To start working with the tax experts at Block Advisors, visit blockadvisors.com."
In my opinion, you should not hire a family member solely because of the tax benefits. You should always hire based on whether that person is right for the job and keep in mind how this hire could materially impact your relationship with that person and others in your family. Finally, as I mentioned, make sure you have a tax professional on your team when making these determinations. As you can see, things can get a little tricky!
*All details were sourced from IRS.gov and blockadvisors.com