"Forty eight here

Bills don't stop or go away. Ever.

Work sucks. That's why they pay you to do it because nobody's doing that bulls@#t for free. Think of it as a means to your life and avoid it becoming your identity.

The term "work life balance" is HR code for "We own you. You're at our disposal 24/7/365"

Nobody owes you a damn thing and ain't nobody gonna give you nothing for free. They're much more likely to try to take what you have.

If not married, we're pretty sexually promiscuous and don't always adhere to the strict rules that we put on you - except that we're generally better with birth control and usually more fastidious about STD status.

You can choose one of two paths - s@#tty life now or s@#tty life later. The one thing I'd change about everything is to choose the s@#ty life early on. Living life all YOLO or whatever you kids say when I was in my twenties came with consequences that persisted for decades and will likely render me unable to ever retire.

Time accelerates. Forty is but a blink away. So seize the opportunity you have today because it'll be gone in an instant."

"Money loses value QUICKLY as you get older. Give me $1000 at 15 and I would have been in heaven buying video games and gadgets candy and all sorts of stupid nonsense. Give me $1000 at 36 and it's going towards paying off the crushing debt that comes with adulthood and car repairs that I've put off way too long and all sorts of totally un-fun things."