This advice is better suited for the younger generations but just like when I was there age, it usually falls on deaf ears
1) An old saying goes: "If I'd known I was going to live this long, I'd have taken better care of myself". No truer words.
2) Bad habits are easier to prevent than to break.
3) Save save save, live modestly and bank all you can. Learn to invest wisely.
Retire young.
4) Structure your life so you can live well in retirement.
For most of my life I was in a hurry. Go go go.
I don't live like that any more. I haven't been in a hurry for a while and it feels good.
I don't have to worry about stuff, I just do what I feel like whenever I feel like it. It's nice.
looking back I should have retired earlier.