All of the advice is the same. It has different implications and obstacles, but the advice is the same. Make lifestyle changes, and you'll have a spouse/childr

All of the advice is the same. It has different implications and obstacles, but the advice is the same. Make lifestyle changes, and you'll have a spouse/children to drag along/convince. Make a switch to a job that pays better, but recognize that your risk tolerance may be lower and other things may compete for your attention. Invest. Sure, you've lost ten (ish) years, but at 45 you'll be pretty happy that you bothered to start at all. It's not like 25 is all that wonderful. Think of how a 25 year old feels right now, compared to their brother who invested $1000 in Amazon 10 years ago; all of a sudden, they feel behind because they didn't start at 15. In other words, get moving. Change and risk almost always get harder with time, so there is always no time like the present, regardless of if you're 25 or 35 at present.