Every week I meet people in their 40s who say the same sentence: “I wish I learned this 15 years ago.” Here are the 10 money decisions you’ll regret at 40 - if you don’t fix them in your 20s & 30s ↓

We earn more to afford bigger houses. Then we spend our lives managing them. Houses grew 64% since the 80s. I'm not sure we got 64% happier. Here's the pattern. Bigger house means: • More to heat and cool • More to furnish and pay for • More to clean and maintain • More

Real wealth-building risks that I've see work: • Skills that 2-3x your earning power • Business in your expertise zone • Company equity in your industry • Focused real estate portfolio • Negotiating equity/raises

Don’t underestimate how quickly your life can change: - One raise. - One habit. - One year of consistency. - One decision to finally take your money seriously. Small wins compound quietly.