For those in their 30's (or better yet 40's, 50's, and 60's) -- What is one thing you wish you would have known in your 20's?

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    Apr 24, 2011 9:04 PM GMT
    What is one thing that you have learned in your 30's, 40's or 50's that you wish you knew a decade or two (or three) ago?

    I'll start... I'm turning 30 in August, so I don't have as much experience as someone in their 40's or 50's, but... when I was 18, I wish I knew how to stand up for myself like I do now.
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    Apr 24, 2011 9:52 PM GMT
    6 things (I guess)

    Save $20 per week and never touch it until you have enough to buy a house.

    Take every opportunity to get another course under your belt. many employers will pay for you to take courses. take that opportunity whenever it presents itself - it pays off.

    After every new qualification look for a new job with higher pay or more responsibility.

    Be willing to relocate for a promotion. Know that you are on a lifelong career journey, which ends only when you do.

    Never stop amassing qualifications and applying for your next job.


    Don't settle down too soon. You will move many times, meet new people, and change a lot with your career. Many relationships formed early are not able to withstand those changes and the demands you cannot yet anticipate from your career.



  • rnch

    Posts: 11524

    Apr 24, 2011 10:02 PM GMT
    food portion control and moderation in heavy weight lifting.

    if i had learned to eat more frequent, smaller sized meals in my 30's; the later years would had been leaner bodyfat years.

    in my teens, 20's i ate until i couldn't move. as long as i was wieght lifting, swimming and frisbee chasing i burnt it all off.

    then my metabolism slowed, all the weight lifting wrecked my knees and lower back............
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    Apr 24, 2011 10:24 PM GMT
    That there's time.
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    Apr 24, 2011 11:27 PM GMT
    Less money on cars....more money into stocks and investments.

    Starting in 1983, when I was 21 years old and making good money, I started buying a series of new sports and then imported luxury cars.

    But one day, just for fun, I put a pencil to my needless spending. I added up about $28,000 wasted on 5 luxury cars over 2 Honda cars. If I had bought MSFT or APPL or DELL stocks with that money, I discovered they would be worth well over $10 MILLION. Even if I had just bought investment property, it would have been paid off by now, and giving me a nice $2,500 monthly income. I was really shocked, and pissed that I wasted so much money on cars.

    What is the most popular brand of car with self-made millionaires? TOYOTA. A close second is HONDA. Buyers state low maintenance costs and high resale value as reasons for purchase.

    MY ADVICE: Start early on your investments. It really does make all the difference in the world. Live below your means. Make a few high risk investments if the payoff is big and you know the area. Even if you make a modest income, put aside a few bucks for stocks. There are stocks you could have bought in 2008 for $1,000, that are worth $40,000 today.
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    Apr 24, 2011 11:31 PM GMT
    The goals you set for yourself in your 20's can still be achieved in your 30's... it just takes a lot more work so don't put them off.
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    Apr 24, 2011 11:31 PM GMT
    Walk the earth, meet people, get into adventures. Like Caine from Kung Fu.

    But seriously.. travel, meet people, gain some perspective and life experience.
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    Apr 24, 2011 11:46 PM GMT
    I wish I had gotten out of Arkansas a lot sooner. My life didn't "really" start till my mid 30's.
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    Apr 24, 2011 11:48 PM GMT
    I wish I were wittier back then. But more importantly I wish I were more open minded and laughed at myself (and others) a little more often.
  • rnch

    Posts: 11524

    Apr 24, 2011 11:53 PM GMT
    White4DarkerFL saidLess money on cars....more money into stocks and investments.

    Starting in 1983, when I was 21 years old and making good money, I started buying a series of new sports and then imported luxury cars...
    What is the most popular brand of car with self-made millionaires? TOYOTA. A close second is HONDA. Buyers state low maintenance costs and high resale value as reasons for purchase...


    same here! jags and benzes in my 20's/30's....now a new camry in the driveway.

    thank Gawd that i listened to my father and immediately "maxed out" in my employer's 401-k plan for the last 25 years. not going to be rich; but will retire "comfortably".


    icon_cool.gif
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    Apr 25, 2011 12:11 AM GMT
    I wished i knew better and went on my own rather than listening to my family and relatives about any career advice.
  • Sparkycat

    Posts: 1064

    Apr 25, 2011 12:58 AM GMT
    I wish I had known that I needed a really good therapist and medication.
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    Apr 25, 2011 1:10 AM GMT
    The one thing would have to be, "Find confidence in yourself."

    I spent far too long not realizing what i'm capable of, much less hold any shred of self-esteem. Would've made a helluva difference, but i'm glad i know that now icon_smile.gif
  • laxdude25

    Posts: 604

    Apr 25, 2011 1:20 AM GMT
    I'm pretty happy with how I've lived my life so far. I've tried to fill my life with taking on new challenges, traveling, making friends, and working my butt off while also respecting the need to take time for myself and my loved ones. sounds cliched, but true.

    2 years after college, I took on a big challenge with a house in an area in Baltimore that was targeted for renovation. Essentially, you got a house for free if you could bring it up to code in a year, and then you "owned" the equity. It was probably the most brutal year of my life: working a full time job in DC then commuting to Baltimore to work on the house, learn all about house renovation. But it was the only way for me to create equity, and I've built on that ever since.

    and I've let myself be vulnerable in terms of meeting guys. I have enough self-confidence (decent looking, big enough dick, athletic), to allow me to try approaching guys outside my comfort zone, and have generally been pleasantly surprised at the reaction. icon_razz.gif
  • barriehomeboy

    Posts: 2475

    Apr 25, 2011 1:33 AM GMT
    I wish I had realized how fucking hot I was. I can't believe I thought I was an ugly geek when I look at my grad photos.
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    Apr 25, 2011 1:35 AM GMT
    I wish I had all the money back that I splurged on buying everyone rounds of drinks at bars. I had a great job in my 20's and I liked to show that off by supplying all my friends and their friends with booze. It was crazy and stupid. Yeah I had fun but what a waste.
  • fitartistsf

    Posts: 638

    Apr 25, 2011 2:39 AM GMT
    How to invest the military paycheck I was receiving in my 20s... like investing in early Microsoft and pre-Eisner controlled Disney....

    Also, have the willpower and motivation to start working out then, not waiting until my 30s and 40s... geez, I'd be sooo much better in shape, and my life would have been soooo totally different than it is now....
  • Bustthewave

    Posts: 98

    Apr 25, 2011 2:40 AM GMT
    Can I just say this thread is amazing?

    24 here and reading all of this!
  • Posted by a hidden member.
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    Apr 25, 2011 2:43 AM GMT
    That it's ok to be gay, even if you're 'Mormon'! (Better yet, something to be proud of.)
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    Apr 25, 2011 2:54 AM GMT
    Bustthewave saidCan I just say this thread is amazing?

    24 here and reading all of this!


    I agree. This thread is the best! It is really motivational, I'm definetly going to start saving 20 bucks a month now
  • Posted by a hidden member.
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    Apr 25, 2011 2:55 AM GMT
    Not so much knowledge, but rather I wish I came out in my twenties. A whole decade wasted......
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    Apr 25, 2011 2:57 AM GMT
    I would have begun contributing the max to my 401K account sooner!
  • Posted by a hidden member.
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    Apr 25, 2011 2:58 AM GMT
    everyone who's 20 something should read this thread. Has some very useful tipsicon_cool.gif


    ahead of the curveicon_smile.gif
  • JDean

    Posts: 166

    Apr 25, 2011 3:14 AM GMT
    calique said
    Bustthewave saidCan I just say this thread is amazing?

    24 here and reading all of this!


    I agree. This thread is the best! It is really motivational, I'm definetly going to start saving 20 bucks a month now


    I'm mildly intimidated.
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    Apr 25, 2011 3:21 AM GMT
    Though, I am now happy with life. I wish I had been more focused and pushy about the things I want to achieve and do. Best of all I wish I had a gym obsession then. I would have had a terrific body by now and would have many of life’s goals in motion.