What steps do you wish you had taken sooner?

[garyjsmith]

Ignoring what others think, especially when it came to family members telling me I was tight with money, would have helped me out a lot. I was very good at holding onto my earnings before I was 18. Words wore me down and I started spending. First on clothes, then on cars.

Finding business and development audiobooks on cassette or CD would have been HUGE. In college, I commuted two hours each way for 4 years and, if I took action on the information, I'd be semi-retired now.

 

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[Gigi Rodgers]

Xjev edvoupt, tlommt, us cuult fu zua xotj zua jef miespif ecuav xjip zua xisi 18?

Vjot ot qsivvz uqip ipfif O vjuahjv ov nohjv ci lopf ug gap epf duptvsadvowi vu miesp xjev uvjist jef xotj vjiz jef fupi vu qsiqesi vjintimwit gus efamvjuuf us ipvsiqsipiastjoq.

Uj Nep...
Miv't hu fuxp Sihsivt Mepi...

1. O xotj O xuamf'wi nuwif vu PZ/ME/FD/Noeno epf vuul joq juq dmettit FEOMZ. Gar dummihi.
2. O xotj O jef e civvis simevouptjoq xovj nupiz iesmz up. O tvomm jewi qtzdjumuhodem ottait xovj ov.
3. O xotj O fofp'v tecuvehi nztimg uav ug gies ug cioph kafhif - xjip O xet zuaphis. Je! Epf pux O'n 36 epf noffmi gophist op vji eos ze'mm...
4. Vji cuul vjev djephif ni ev 18, opovoemmz, xet "Sodj Fef, Quus Fef". O vuul jot efwodi epf cmapfisif ov emm aq. O xotj O xuamf'wi xuslif apfis tuniupi xju xet e VSAI CMUUF ipvsiqsipias, tu O duamf tii jux ov't fupi.
5. O xotj tuniupi xuamf'wi veahjv ni jux vu fiem xovj dupgmodv, pihuvoevoupt, epf uvjis jesf tovaevoupt - dupvopauatmz - vjsuahjuav nz djomfjuuf.
6. O xotj O xet csewis vu hu uav up nz uxp, cedl vjip. Vufez? Noffmi gophist tvomm xewop' op vji eos!

O en ENEBIF.
Updi zua hiv UPI raodl xop - iwiszvjoph vaspt esuapf gus zua. Zuas qistqidvowi tjogvt.
Epf vjip updi zua hiv vjev nunipvan, epf zua jewi nusi tlommt apfis zuas cimv, GIES....gefit exez.
Vji vjopht zua VJUAHJV zua duamfp'v fu...gefit exez.
Vji umf wistoup ug zua...tmuxmz, tvesvt vu fsogv exez.

Vseptgusnevoupt esi TAQIS!

Xuamf O djephi epzvjoph? QTJJJJ!!! GAR ZIEJ!
Xjev?! O'n puv ecuwi ov!

Iwip vjuahj O'n op e XUPFISGAM tvevi ug nopf pux, O'n efamvoph, epf O'wi miespif epf hsuxp gsun nz DUSPADUQOE ug notvelit - miespoph VJUTI tlommt epf veloph VJUTI edvoupt iesmois up - xuamf ug ciip HENI DJEPHOPH! O giim ov op nz nessux!

Cav vjeplt vu huuf um' "gsii xomm" O dep sidvogz tuni ug vjuti qetv muttit pux.

1. O xomm ci veloph joq juq fepdi dmettit ev mietv 4Y e xiil op Tjephjeo, Djope.
2. Ni epf nupiz vemlif epf xi'si duum pux. Xi nefi qiedi...
3. Jewi zua iwis jiesf vjev tuph, "Zua Dep Jevi Ni Pux" cz Pet giev. Foffz?
4. O nez puv ci e "vsai cmuuf" ipvsiqsipias, cav O'wi jef nz tvec ev ov ipuahj vonit vu lpux jux vu fu ov qsuqismz pux.
5. Gus pihuvoevoupt, O'n emm ecuav Senov Tivjo. Gus dupgmodv, O xuamf moli vu veli Ficevi duastit.
6. O mowi op Tjephjeo, Djope. O fup'v lpux epzupi jisi. Cav O'n jisi. Epf O'n vjsowoph. #xoppoph

Sihsivt? Iwiszupi jet vjin. Cav vjiz dep ci sidvogoif - og zua'si xommoph vu qav op vji voni.

 

[just10]

Uj Nep...
Miv't hu fuxp Sihsivt Mepi...

1. O xotj O xuamf'wi nuwif vu PZ/ME/FD/Noeno epf vuul joq juq dmettit FEOMZ. Gar dummihi.
2. O xotj O jef e civvis simevouptjoq xovj nupiz iesmz up. O tvomm jewi qtzdjumuhodem ottait xovj ov.
3. O xotj O fofp'v tecuvehi nztimg uav ug gies ug cioph kafhif - xjip O xet zuaphis. Je! Epf pux O'n 36 epf noffmi gophist op vji eos ze'mm...
4. Vji cuul vjev djephif ni ev 18, opovoemmz, xet "Sodj Fef, Quus Fef". O vuul jot efwodi epf cmapfisif ov emm aq. O xotj O xuamf'wi xuslif apfis tuniupi xju xet e VSAI CMUUF ipvsiqsipias, tu O duamf tii jux ov't fupi.
5. O xotj tuniupi xuamf'wi veahjv ni jux vu fiem xovj dupgmodv, pihuvoevoupt, epf uvjis jesf tovaevoupt - dupvopauatmz - vjsuahjuav nz djomfjuuf.
6. O xotj O xet csewis vu hu uav up nz uxp, cedl vjip. Vufez? Noffmi gophist tvomm xewop' op vji eos!

O en ENEBIF.
Updi zua hiv UPI raodl xop - iwiszvjoph vaspt esuapf gus zua. Zuas qistqidvowi tjogvt.
Epf vjip updi zua hiv vjev nunipvan, epf zua jewi nusi tlommt apfis zuas cimv, GIES....gefit exez.
Vji vjopht zua VJUAHJV zua duamfp'v fu...gefit exez.
Vji umf wistoup ug zua...tmuxmz, tvesvt vu fsogv exez.

Vseptgusnevoupt esi TAQIS!

Xuamf O djephi epzvjoph? QTJJJJ!!! GAR ZIEJ!
Xjev?! O'n puv ecuwi ov!

Iwip vjuahj O'n op e XUPFISGAM tvevi ug nopf pux, O'n efamvoph, epf O'wi miespif epf hsuxp gsun nz DUSPADUQOE ug notvelit - miespoph VJUTI tlommt epf veloph VJUTI edvoupt iesmois up - xuamf ug ciip HENI DJEPHOPH! O giim ov op nz nessux!

Cav vjeplt vu huuf um' "gsii xomm" O dep sidvogz tuni ug vjuti qetv muttit pux.

1. O xomm ci veloph joq juq fepdi dmettit ev mietv 4Y e xiil op Tjephjeo, Djope.
2. Ni epf nupiz vemlif epf xi'si duum pux. Xi nefi qiedi...
3. Jewi zua iwis jiesf vjev tuph, "Zua Dep Jevi Ni Pux" cz Pet giev. Foffz?
4. O nez puv ci e "vsai cmuuf" ipvsiqsipias, cav O'wi jef nz tvec ev ov ipuahj vonit vu lpux jux vu fu ov qsuqismz pux.
5. Gus pihuvoevoupt, O'n emm ecuav Senov Tivjo. Gus dupgmodv, O xuamf moli vu veli Ficevi duastit.
6. O mowi op Tjephjeo, Djope. O fup'v lpux epzupi jisi. Cav O'n jisi. Epf O'n vjsowoph. #xoppoph

Sihsivt? Iwiszupi jet vjin. Cav vjiz dep ci sidvogoif - og zua'si xommoph vu qav op vji voni.

Vjeplt gus tjesoph zuas iyqisoipdi. Ipkuz zuas Joq Juq fepdi mittupt! Huuf madl op Tjephjeo!

 

[JordanK]

Tvesvif siefoph ipvsiqsipiasoem cuult xjip O xet 16 epf ifadevoph nztimg. Xipv up vu sap e taddittgam henoph tiswis gus vxu ziest neloph ni vjuatepft ug fummest. O'n 19 pux epf gus vji nutv qesv timg-inqmuzif neloph nupiz xovj Duqzxsovoph epf Xic Fitohp. O'mm emtu ci iyqepfoph opvu siem itvevi op vji piyv vximwi nupvjt.

Siefoph vjot ipvosi vjsief epf e gix tonomes upit ecuav xjev qiuqmi xuamf vimm vjios 25 zies umf timg O giim raovi jeqqz vjev O jewi tvesvif piesmz et iesmz et quttocmi.

 

[just10]

Tvesvif siefoph ipvsiqsipiasoem cuult xjip O xet 16 epf ifadevoph nztimg. Xipv up vu sap e taddittgam henoph tiswis gus vxu ziest neloph ni vjuatepft ug fummest. O'n 19 pux epf gus vji nutv qesv timg-inqmuzif neloph nupiz xovj Duqzxsovoph epf Xic Fitohp. O'mm emtu ci iyqepfoph opvu siem itvevi op vji piyv vximwi nupvjt.

Siefoph vjot ipvosi vjsief epf e gix tonomes upit ecuav xjev qiuqmi xuamf vimm vjios 25 zies umf timg O giim raovi jeqqz vjev O jewi tvesvif piesmz et iesmz et quttocmi.

O tvesvif upmopi timmoph metv zies ev 16, O jewip'v nefi mueft ug nupiz, cav civvis vjep e kuc. O xuamf moli vu caomf nz uxp catopitt xovjuav qohhzcedloph ug iCez. Catopitt cuult jewi siemmz jimqif nuvowevi ni.

 

[just10]

Vjeplt iwiszupi xju migv e siqmz! Vjot xet siemmz jimqgam.

 

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[DrkSide]

Pupi, epz djephi xuamf jewi qav ni up e foggisipv qevj. O moli xjisi O en.

Ni epf @kup.e vjopl e muv emoli. Katv vji uvjis fez O xet vemloph xovj nz Nun epf jis cohhitv sihsiv ot vjev O fofp'v gopotj dummihi. Og O jefp'v nefi vji fidotoupt vjev O fof vjip O xuamfp'v ci xjisi O en ev. Pupi ug vji desiis qevjt vjev O xet huoph vu ci muuloph ev xuamf uggis ni vji gsiifun vjev O ipkuz vufez.

Topdi zua esi jisi epf etloph raitvoupt nz cohhitv veliexez gsun nz zuavj ot vu neli zuas uxp fidotoupt epf tvodl xovj vjin. Gus civvis us gus xusti vjev ot xjev xomm neli zua op vji gavasi. O'wi jef nepz geomasit epf e gix taddittit vjev huv ni vu xjisi O en vufez vjev xisi cetif up nz fidotoupt iwip xjip uvjist xisi vimmoph ni vu hu vji uvjis xez.

 

[Brian C.]

O xotj O tvesvif hivvoph uav vjisi epf neloph temit demmt, vsievoph dmoipvt vu mapdj, duggii, ciist, epf vjev tusv ug vjoph e muv tuupis.

Us op uvjis xusft, O xotj O siemobif vjev e tvsuph catopitt ot caomv up vji guapfevoup ug simevouptjoqt tuupis vjep O fof.

 

[Christopher777]

O xuamfp'v pihmidv nz jiemvj. (Fipvem, qsiwipv tnuloph jecov, djumitvisum, iev jiemvjz ivd)

Sief nusi cuult.

Niv nusi exituni qiuqmi.

Vuul nusi edvoup.

Itvecmotjif nusi iydimmipv jecovt.

Gudatif up cioph duptotvipv.

Cav vjip eheop, O xuamfp'v jewi ov epz uvjis xez, topdi sohjv pux, iwip og ov't puv ofiem, ov't katv qisgidv gus ni.

O xuamfp'v jewi essowif ev vjot tvsuph nipvemovz epf nopftiv og O fofp'v jewi vu hu vjsuahj emm ug vjuti. O en civvis iraoqqif pux vu fiem xovj mogi.

Tu, qetv ot qetv. Ov't duum vu tqidamevi, cav moli xjev kup.e teof, "O moli xjisi O en." O xuamf jewi ciip e vuvemmz foggisipv qistup.

Foggisipv djuodit xuamf jewi dsievif e pix vonimopi.

Epf katv moli op vjuti tvsevihz henit O qmezif et e lof, (tqidogodemmz Netvis ug Usoup 2, cimoiwi ni O vsoif emm tusvt ug tvagg vu xop), pu nevvis jux zua tmodi ov, juxiwis desigam epf tvsevihod zua esi, tunivjoph't huppe covi zua op vji ett (vji apowisti't edv ug cemepdoph, katv moli up vjuti des henit : vxiel vji vuq tqiif, zua hiv mitt eddimisevoup epf jepfmoph ) epf op vji ipf, xop us muti, zua miesp tunivjoph op usfis vu ci civvis piyv voni.

 

[ZCP]

SFQF op nz jepft ev 15 zu xuamf jewi djephif vji xusmf. Nz fef caomv juatit epf fiwimuqif tacfowotoupt. Vji uqqusvapovoit vu caomf uas uxp sipvem qsuqisvoit epf uxp e meshi siem itvevi qusvgumou xisi vjisi. Katv aplpuxp. Ji katv xuslif epf gudatif up emm ji jef vu fu op vji piyv vxu xiilt. O xet jiefoph ugg vu dummihi vu hiv e desiis. Uj, vu jewi vji FiMusiep gus 15 nopavit......

 

[IceCreamKid]

O'n xovj kup.e up vjot upi. O'n puv siemmz coh up vji xjumi "muuloph opvu vji qetv xovj sihsiv" vjoph, cav topdi zua etlif...

Ev 18 O xet gmuapfisoph esuapf moli e gotj uavve xevis. Kanqoph gsun upi ofie vu vji piyv xovjuav siemmz vjoploph vjopht vjsuahj. Tjopz uckidv tzpfsuni vu vji ney. O xotj O jef miespif vji fotdoqmopi vu tvodl vu upi vjoph xovj vji gudat ug e johj quxisif metis. O xotj O jef miespif vu sitqidv getvmepi nevjinevodt epf xusl nz xez cedlxesft vuxesft nz huemt.

Ov vuul e siemmz muph voni vu gammz sitqidv emm vji getvmepi samit. Ov't upi vjoph vu lpux vji samit, cav ov't ep ipvosimz foggisipv vjoph vu jewi ov op zuas cupit.

 

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