When we’re young, we spend money on things we think will make us happy. But we find out later that many of these things don’t matter.

When we’re young, we live as though we’ll never get old. In some ways this is good, because it gives us things to look back on. But in other ways it’s not good, because it leaves us with fewer resources in our later years.

You have to save something for the old you, because the old you will likely have fewer options. If the old you could go back and give advice to the young you, the old you would probably say something like this: “experience life, but remember that your young years aren’t necessarily your best years, and what you do in those young years will have an impact on your later years. “