Originally Posted by tighed1
Good for you! 
I waited untill I was 48 before I stepped my degree.
Can only imagine how different life would have been had I taken action earlier.
It's funny you mention that.
I cherish the advice of those older than me, simply because it's normally so consistent; ALL advice agrees that sooner is better than later. The advice may vary in the direction it sends you, but I have yet to meet a single person that doesn't wish they could rewind father time a bit.
Then there's the "I wish I could take my knowledge back to my body that was willing and able and capable... the body I owned before I had the knowledge I currently have... to use it properly".
Some of the wealthiest, most financially-stable people I know are in their 50's. All of them are 1st generation wealthy. 75% of them got their act together after age 45.
100% of them are saying "act now".
They turned their life around -- completely transformed it -- in ten years.
Granted, we aren't guaranteed tomorrow, but just imagine if I had a 20-year head start on that? Applying the money principles I already do my best to employ... I can see things ending well.