i can't disagree with that...as i grew older i grew more emotionally secure with who i wanted to be and have become.
early on i decided that after graduation i would enjoy my entry into the world of a wage earner and self-supporter by saving some and spending some - they would be the years of enjoyment with little responsibility. the next stage entering my 30s/40s would be to get serious about earning, spending and saving - those were the years to establish myself with my chosen career! after that is was all about insuring that i was providing for a secure retirement! i really wanted to be sufficiently well-off so that i could be called eccentric by age 50/55 because i never really did what was expected of me.
i must say that the loosely framed guideposts of my life worked well despite sometimes straying from the path!
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Not sure if I have free time...or if I just forgot everything I was supposed to do!