Know that you will grow old. Age is merely the passage of time, and inside every ancient is a youth wondering what the hell happened.
Take pictures, of yourself, of your friends. Your children will never believe you were ever young, and you will need documentary evidence.
Avoid frivolous spending. A dollar saved and invested at age 23 will grow more than eight-fold in constant dollars by the time you are 62 and provide 40 cents in today’s dollars per year in income every year after that, while leaving the principal for your offspring.
Marry wisely. Beauty fades, and friendship is more valuable than sex, is more fulfilling, and can be enjoyed for many years longer.
Marry a spouse who prefers to save than to spend. No matter how much you make, it is possible to spend more; no matter how little you make, it is possible to save some. The former is the path to poverty, the latter the road to security. If your marriage partner does not understand this, you will always be poor regardless of your income.
Practice moderation in your vices. Beware what monkeys you invite onto your back. They are all cute when young, but grow into surly adulthood. Carrying them will affect your health, your savings, your family life, and your social relationships.
Slow down. Avoid the purposeless bustle of those around you. Learn to relax, to enjoy the moment, and not to chase ceaselessly after the next moment, and the next. Life is now.
Take the time to stare out the window, to let the mind wander, to dream. All dreams cannot come true, but without dreams, none of them can.
Select your career with your heart: do what you enjoy. In today’s world of high-technology cars, air travel, and space exploration, one can still make a good living as a blacksmith or a buggy whip maker. A career that you can’t enjoy is a terrible burden.
Do not be mindful of what others may think. They don’t do it often enough to concern you.
Educate yourself. Go to school, read books, travel, work with your hands. You are your own most important asset, and your investment in this asset cannot be lost, taxed or taken away.
The value of your friendships is not determined by their number, but by their depth. Know who your friends are.