Okay, now are we speaking spiritually, or are we speaking materially now, or what?

Okay, well the first thing that pops to mind for young people is start saving money now! Start putting it away and have somebody explain dollar cost averaging to you. Once they explain it to you, it will take five minutes, it will make all the sense in the world and you will be financially independent.

Spiritually, I would say whatever you think is the worst thing that has happened it’s not. You will look back at it and you will realize it just made you a better person. So, whatever you think is really, really, really going to be bad, call somebody older than you are and have them put it into perspective for you. Tell that older person that they can’t tell you anything bad that has happened to them; just get them to put it into perspective. That’s the total of my wisdom.