Other than the normal 20-20 hindsight stuff, eg starting earlier, never cashing out retirement accounts, not running up credit card debt, etc. I would have taken the $5000 in cash I earned as an exotic dancer on the Alaskan Pipeline in 1976 and made a downpayment on the W. 94th St apartment I could have purchased for $10K.
I would have taken better care of my teeth especially in my teenage years. I have huge expenses now resulting from replacing old dental work I had done in my 20’s and 30’s that could have been avoided. It is by far my largest expense today and limits other things I would much prefer to spend my retirement savings on. I live in an area with high medical/dental costs and dental insurance replaces only up to $2000 a year even with the best policies. That is a drop in the bucket for me.
I would really work harder to try and score a flying scholarship, and I would have pressed myself to really go out and start my flying career sooner rather than what I did, and actually relax my savings rate a little for a more sustainable journey
I would have quit trying to time the market based on real or imagined fears for the future.
Other than the normal 20-20 hindsight stuff, eg starting earlier, never cashing out retirement accounts, not running up credit card debt, etc. I would have taken the $5000 in cash I earned as an exotic dancer on the Alaskan Pipeline in 1976 and made a downpayment on the W. 94th St apartment I could have purchased for $10K.
I would have taken better care of my teeth especially in my teenage years. I have huge expenses now resulting from replacing old dental work I had done in my 20’s and 30’s that could have been avoided. It is by far my largest expense today and limits other things I would much prefer to spend my retirement savings on. I live in an area with high medical/dental costs and dental insurance replaces only up to $2000 a year even with the best policies. That is a drop in the bucket for me.
I would really work harder to try and score a flying scholarship, and I would have pressed myself to really go out and start my flying career sooner rather than what I did, and actually relax my savings rate a little for a more sustainable journey
I would start much, much earlier.