Moderation in all things including moderation itself. I.e. go crazy occasionally. Have goals and do stuff that moves you in that direction rather than life bei

Moderation in all things including moderation itself. I.e. go crazy occasionally. Have goals and do stuff that moves you in that direction rather than life being a random walk. Fully fund any 401K plan you have access to. Travel cheap while you are young. Take risks in your 20s. 30s and 40s are likely to be about family. 50s are often career peak except for math and software whizzes. What matters when you reach 60s and 70s is comfort, security and family especially grandkids.