I wish I had time to write about my experiences as I’m 10 years away from successfully retiring but I have to say, you 20+ year old readers really need to listen to what this guy is saying.
Don’t follow his advice to a tee but read in between the lines and understand the meaning.
At least do this, print his post out and re-read it when your approaching 40 as it will have a different meaning and when your 50 years old, you will think this guy was a prophet.