20-30 is the age where one is expected to perform something worth remembering for centuries.
There are some traps one should never fall into, keep reading:
1. 20s deception
Freedom
Today I don't feel to do this task, I will do it later. This is real freedom. This is what you have to achieve in your early 20s.
Roaming with friends, dating, party, drinking, and smoking, etc. is what Bollywood calls freedom. Following this freedom leads to a life with work deadlines, stress, dependency, loan etc.
Intelligent person uses this time to gain financial stability. You too are intelligent person, don't prove me wrong dear!
Love
"I think I love her/him"
"Go ask her if she is free tomorrow"
"Listen listen, you know xyz has a crush on abc...!"
When your college gets over, finance hits you hard and you fall on the ground, the hands which come forth to pick you up is your family members only. Everyone else disappears before your eyes.
Dont lose family time in chase of lust. Those little moments with your family, that's real love.
2. Fall in love with "Future You"
When one falls in love, one does so many things to make the other person happy. Do that favor for yourself, so you thank your "past you" in future.
3. Invest in yourself
Are you worth being paid 1Cr/year?
This question is enough to open your eyes.
Here are some tips:
-> Networking: Help so many people so much that they remember you for lifetime. This is how you make lifelong connections.
-> Learning: At this age, even a kid knows Google. I hope you ain't kid! Make good use of online resources
4. Slowed but consistent
If you want to change a habit, change bit-by-bit over a long time. Youll not feel you have changed anything. The hard part is to do it consistently.
5. Fun fades
Something that used to excite you once, doesn't excite you now.
Similarly, something that excites you now, wont excite you in future. You know very well what I mean.
This is a fact, choose your fun wisely!
6. Set a goal
We used to distinguish between good and bad, but due to social media and other things, we have become so corrupted that our only criteria for doing a thing is that if its enjoyable or not.
But you might have noticed sometimes we enjoy helping others, sometimes we enjoy cheating others. Our brain tends to do that things which have reward associated with it. We have purposely stopped our brains from thinking about its goodness or badness.
Setting a goal is important because you will know what exactly you have to do and you don't end up wasting time and effort in doing unwanted things.

If you want to achieve something, leave your sweet comfort zone, go work for it
Just thinking about it wont make any change.