Question from a 32 year old to our golden citizens .?

Asking this question or, thinking about your future two or three decades down the road already places you in a good position, in that you're thinking:). But it also begs another question: Is what your feeling, just for the moment?

I have to tell you I made plenty of mistakes and willingly confess to anyone that wants to listen, especially my kids. I feel like I didn't mature until I was 49 years old, and even at that it took another 3 or 4 years to convince myself I was thinking that way. The long and short of it was/is; I really don't have many regrets. I've lived a pretty full life took chances, gained a little lost a lot, but in the end my biggest regret is not having saved for retirement.

Even though I am a fair wage earner, my future for retirement looks dismal, and only now at the final hours am I stuck making decisions I should have made thirty and forty years ago. I'm not the only one but that doesn't matter, at this stage of the game it's about me and the woman I love, and had I given serious thought to what would happen when I was ready to retire, things may have been different. And just so you know; I mention that I'm not the only one to illustrate that I sort of went along with the crowd, with respect to not worrying about it as no one else really did either... BUT that's simply a disaster waiting to happen (thinking your not the only one, or being like the rest), and doesn't make sense when you get to the point I'm at.

I say live your life full and have a blast but take this warning and know that it will come back to haunt you if ignored. Start saving for your final years now! You may not be able to work when you get close to retiring so why take a chance? I have to give up nearly 20 percent of my paycheck just to insure I will be able to make a mortgage payment for the 10 - 20 years after I retire! That's 10 - 15 percent I could have spent on something different had I invested, at the very least, 5 percent of my pay starting at the age of 32.

While most of us think we need the money now, it's simply not true, as there is a huge difference between need and want (want being the operative word; I don't need it but I "WANT" it!). So my advice is to start putting those little penny's away now, it won't hurt nearly as bad as big penny's later on. I can't tell you how many times someone told me (when I was younger); if you put away this amount now you'll have a million dollars when you retire. Know what: I won't have a million dollars and that's projected not to be enough anyway. Get smart invest early, you don't have to be brilliant to invest in a 401K or some type of retirement account.

Next on my list for advice is simple: Learn how to treat everyone with respect, and how to respond when you are not being respected...

Two simple pieces of advice that may get you a long way in life if you just follow:) Good luck:)

Right now this puppy is only 4 months. His food aggressiveness could still be taken out of him. You need to work with your puppy constantly to make sure this does not happen. I am taking that you are talking about a golden retriever? these are not normally aggressive dogs. With the right training, this still could be a great family dog. It is horrible that this has happened to your 3 year old. Things like this could have a impact on how they look at dogs for the rest of their lives. Your other children may be afraid of puppy and dogs too just from seeing their sibling hurt. I would suggest if your children have a fear of the dog, or you have already made up your mind that you don't trust the dog, then you should get rid of it. But it might help if you do keep the dog around and work with it, and show your kids that it is alright. There is nothing that your puppy technically did wrong. It is just lack of training. They don't understand they did anything wrong as much as your 3 year old didn't know. I hope this helps.

I have a long answer for you. Hope you take the time to read it.

Mist. You impress me. You have asked a Golden Question. I lucked out and the right guy came along at the right time.

I graduated when I was seventeen. I was single for four year before tying the knot. I don’t think I would change too much. I had to live and learn by my mistakes - just like most everyone has to.

The important thing is to live and learn by your mistakes and to ask for forgiveness for your transgressions. You yourself have to forgive yourself and never look back and take the next step forward.

You need to have a plan for what/how you want your life to be.

“ If you don’t know where your going.

Any road will take you there.”

George Harrison

It is so good to hear that you respect your parent’s and grandparents - that tells me that you came from good stock. Be all you can be for those who love you and do the best you can - to the best of your ability.

You are half way there. The fact that you are looking to improve yourself says a lot to me. Put your heart and mind into your endeavors - you will in time feel a great deal of satisfaction with yourself. Let your conscience be your guide.

I have collected quotes and sayings and I have lived by my quotes. Hope you don’t mind my sharing some with you.

“People become really quite remarkable when they start thinking that they can do things. When they believe in them selves, they have the first secret of success.”

Norman Vincent Peale

“Never mistake knowledge for wisdom, one helps you make a living,

the other helps you make a life.”

James Oppenheim

The happiest people don’t have the best of everything.

They just make the best of everything they have!!

Unknown

Thank you for asking this Golden Senior. I celebrated my Golden Wedding Anniversary in 2007.

I wish you the best - for the rest of your life.

DeeJay.

Very few people are able to learn from the mistakes of others. Most people have to learn everything the hard way. It appears you are trying to learn an easier way.

When I was young I didn't spent much time planning my future. Mistake #1

When I was young I didn't pay the price to become valuable in the market place Mistake #2

My advice is to work at being the best person you are able to be. I have a friend who set that goal for himself when he was 19. Now he is 62, and he is solid gold by any standard.

I would get a wife and have some kids. When you get past 70 the kids and grand kids make life worth it all.

I would have started direct savings or investments deducted from my pay check gross at an earlier point in my career. It seems that the more money available in the ready cash or checking is too much a temptation to splurge on immediate gratifications. It needs to be between 8 - 12% if possible and it would not be missed and the amount will grow in value. If your Company has a matching 401K plan, take advantage of it - its free money.

A Roth IRA is worthwhile - it did not exist when I was in my 30s.

In One's 30s, physical energy, endurance & ability to learn is much better than when in One's 40s.

I worked longer hours with much more success than in my 40s.

Physical exercise is important. I quit smoking due to necessity and became a runner in my mid 30s. I believe that it added to my self confidence & goal setting.

Goal setting is time consuming but extremely work the effort. For many yrs, I and a few others would set aside a day for setting intentions in written form for the year. It was quite valuable since 75% of my intentions were met and it provided positive feedback for added self confidence.

Create good friendships with people who support your efforts and support theirs as well. This is most difficult but quality attracts quality.

Good luck..

Do differently; DO MORE. more travel, more camping, more family gatherings.

Wiser; Time really does fly faster as you age. from 45-55, gone in 60 seconds it seems.

Advise to 32's? Work hard, but work smart. make a difference in someone's life. Don't buy so much junk. Money does NOT make you happy, but it allows you to do things for yourself and others.

Single w/No kids? Kids are great. I was blessed. BUT; not everyone is meant to be a parent. You can have a fulfilling life w/out kids.

Now, go make a good life.

Try to fulfill every dream you ever had for what your life could be. Being single with no kids is perfect for doing this. And if not now, then when?

Other than that, I would say the best advice is to get to know YOU. So many people don't know themselves...they know the artificial "face" that most of us put on for the world. But to be happy in our own skins we need to know ourselves deep down.

After that, don't ever forget that life is growth and change. You stop growing and changing, you might as well be dead, because you are just marking time until then anyway!

Above all else take care of your health. Eat right and exercise don't give yourself any excuses not to.

Take care of your teeth, they are more important than you can imagine.

At 32 I wish I could have told myself find something you love to do and do it.

Kids are great but, they are not a necessary to having a happy life.

If you fall in love with someone treat them that way, everyday because you never know when they won't be here anymore.

Take money out of every paycheck and put it away for the old you to enjoy.

I am 60 and what would I do over? First, you are very young and have time..but if I could do life over I would be more concerned about myself...go to college and have my career in order and then...think about the guys. Dont give you heart away too easily and..with men, they are visual, but look at a woman's heart..find a woman with good morals because if she does not have this...all areas of her life are deceptive.

Things to make one wiser? DO NOT evaluate a person by their words..people are such liars these days. Look at a person's actions--what they are actually doing---judge by this. Dont be afraid to turn around and run if you know you are not with the right woman.

Get more education, it is not too late at 32. If you want children, have them sooner rather than later. You will be really surprised at how fast time seems to race by. Differences may attract a mate, but common interests bond.