This document provides money lessons for people at age 22, including saving regularly and letting savings compound over time, using tax-efficient investment vehicles like equity-linked savings schemes (ELSS) to save on taxes, investing regularly in equities for tax-free growth, and choosing equities over fixed deposits or insurance to beat inflation in the long run. The key recommendations are to start saving and investing early, take advantage of tax-benefits, and opt for growth assets like equities that can outpace inflation.