You can have $1 million right now.

Or go back 20 years and give your younger self a few money lessons.

Which would you choose?

I don’t know about you, but I’d go back.

Because while $1M is nice, it can disappear quickly.

But wisdom and good money habits, especially applied early, can lead to lasting security and peace of mind.

If I could go back, I’d tell my younger self:

— Don’t make decisions based on how they’ll look to others.

— Live within your means and invest the difference

— Focus on small, consistent steps instead of chasing big leaps.

— and more…

None of these ideas are groundbreaking. I probably even heard them back then — but they didn’t sink in, and I had to learn them the hard way.

But they didn’t register, and I had to learn them the hard way.

Maybe that’s just how life works.

But if I can pass these lessons on, maybe we can course-correct a little sooner!

Sometimes a few small shifts can change the long-term picture — worth thinking about.