Now that I am a wise old person, my friend asked me to let him know "when I figured it all out."
Here's what I told him:
- Life is too short to argue with shitty, small-minded people
- Life is not long enough to spend time with all the really awesome people
- Despite credit scores being totally bullhshit, they are actually very important. No matter where you start, a good credit score is only 7 years and a lot of automatic bill payments away.
- The IRS is a lot more patient and awesome than they get credit for
- Get regular maintenance done on your car
- It's ok to let people and things go if they aren't working for you, no matter how long of a history you have
- A book/business/career/weight loss program is more about the tiny decisions every day than it is about any big decision. Commitment is a lie unless it's a commitment applied consistently
- Goals without routines are dreams, routines without goals are futile wastes of time
- Even if you're a mess 70% of the time (or 90%), people will usually forgive you if you're a nice person (but credit agencies will not)
- Other people are going to be a mess 70% (or 90%) of the time, and you can forgive them if they're good people (but not if they're assholes)
- It probably really is just a cold