Gadgets can return productivity, learning, and entertainment now and into the future. Clothes can open doors as early as the day you buy them, or weeks later.

Gadgets can return productivity, learning, and entertainment now and into the future. Clothes can open doors as early as the day you buy them, or weeks later. Booze is consumed but it's an important part of many social interactions, without it things can get boring. Boredom closes doors. A colleague once gave up coffee when he calculated the annual spend as something like a grand. Okay, congrats on the extra grand you'll have in the bank at Christmas. But sucks to be you because you miss out on coffee every single day of the year. Wise investment advice can hurt your short term life - which does actually run out. You don't stay in your twenties forever. You don't stay in your 30s forever.