When we are young we think we have all the time in the world!  That will someday be proven false... what is important when we are young is so different when we are older... will a young man ever listen to the older men?  Generally not - use your time better when you are young - so when you are older your money will help take care of you and so will your family and loved ones - no matter what it takes more than money to be happen in this life but the fools think other wise... When time and money are gone - what will you take with you?  It's not to late to change!