The best ways to spend money in your 20s and 30s, according to financial historian Niall Ferguson

Niall Ferguson, a senior fellow at the Hoover Institution at Stanford University, says there are a few big things that every millennial should keep in mind when they start to earn and spend money.

"Often people make money early in their careers when they're young and inexperienced and the future seems infinitely distant," he says. "The key thing to remember when things are going really well is that, by definition, you're going to get old."

Watch this video to find out Ferguson's top financial tips.

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Check out 4 Money Lessons Everyone Should Know by Age 25 via Grow with Acorns+CNBC.

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