Thank you, Steve. It was truly a joy to hear someone about my age giving sage advice to young people. I especially appreciated your themes of doing things that actually improve yourself and avoiding doing things that may harm others. My rules for finances have been 1) give to others 10% of your income (e.g., your church or other reliable charities - the more local the better); 2) pay yourself 10% (to put in savings - it has been shown that wealthy is an attitude, not an amount); 3) invest for the benefit of others, not at their expense (this is hard to figure out, with no easy way to do it perfectly); 4) do not lend the government money (as I said, these are my rules - IMHO the government uses my money very unwisely); 4) learn to live frugally (avoid / get out of debt, don't buy more house than you need, keep away from expensive hobbies - which is why reading is a great hobby), then retire early so you can get an education (the great philosopher and educator, Mortimer Adler, believed you are not educable until you are at least 60. As he got older, he kept upping the age limit). I would love to talk about the books that drove the development of these rules, if anyone is interested.

Steve, this is some seriously good advice, all of it. Thank you! I love that you said not to vet your friends. I always that was garbage advice and your the first public person I’ve heard to call it out.

Thank you very much, from Venezuela, congrats, cheap wisdom, quality.

Great advices. Thanks, Steve. Hello from Ukraine :)

Really helpful advice Steve, I appreciate it.

Thank you Steve. You've given me some stuff to think about here.

really good way to manage yourself. And much better than 95% of all the "gurus".

This is actually very good advice, Steve.

Really great advice Steve

What's the issue exactly with JP? please give some exact reasons.

The advice about not playing the stock market and the crypto market is good, but being a long term investor in the stock market is generally a good thing. Indeed funds are the way to go with the idea of not putting money in and taking money out based on market fluctuations. Crypto is just nonsense; there's no there there. Also, this advice about not playing the market applies equally to gambling, especially casino gambling and the lottery. Some really basic math and a little bit of good sense can make it clear that gambling at a casino is a terrible way to spend your money. I write about casino gambling for a living, by the way. We can call that a "fun Randy fact."

Haha. So spot on!

This is good. I would add one to the do list: Learn to meditate, i.e., clear the mind of 'inhabited thoughts", that is, thoughts that you think you have somehow generated yourself. Thoughts, ALL THOUGHTS , just happen. Spend some time each day conscious of this fact. See what, over time, happens. First, of course, you need to discover the "justhappensness" of thought.

Great advice, way better than Peterson’s

You know, I'm 52. I bet I could come up with life advice, too.