Learn how to manage your money so it won’t cause issues with relationships or stress and worry for yourself.

Spend your money wisely and modestly and still get what you want.

Saving is part of great money management but if it's in a savings account generating interest below rising inflation rates, your money is depreciating. 

Learn how to make money work for you instead of depending on earning money. Do you really want to keep working after your supposed retirement age? I don't think you would like that idea. 

Don't live like you might die tomorrow unless you have some type of illness or do lots of risky things. Also consider living like you still have a long way to go, because you'll never know, you just might.