When in my early 20's, the wife and I started investing through a broker in the San Antonio area. That broker held a monthly luncheon for his clients where he would teach something about investing so the wife and I attended a few for the education. The average age of clients for those luncheons was easily in the upper 50's to mid-60's. As we were the only twenty-somethings in the room, it left quite the impression when senior citizens repeatedly approached us and told us they wish they had started investing when they were our age. Several admitted they had only started investing in the past few years and knew that their future years were going to be pretty slim. I've made a few decisions I'd like to go back and undo or re-do concerning finances and buying stuff, but living below my means and saving/investing at least 15% of my income over the years is not one of them. To each his own, but it's hard to go wrong with the advice of always living within your means and avoiding debt to the maximum extent possible.
Adam
