We don’t write advice because it doesn’t necessarily apply. Can you sock aside $30k a year starting at 40 years old? Nope? There goes my simple way to assure your financial future.

Can you not eat junk food all your life? Avoid drugs and alcohol? Too late for that? Damn, another great guarantee of future happiness gone.

Exercise consistently for fifty years? Again, too late, right?

So, the only advice I have now is that age is already hitting you in your thirties and even though you might still feel immortal in your fifties, that will change and it will start hitting you harder and harder until sometimes death looks like the only relief you’ll get because everything you really own - the organs of your body - is deteriorating, getting less efficient, hurting, acting wonky, betraying you.

So, really, the only advice I can give is to try to find some humor in it. Because otherwise, it fucking really sucks.