-- Now that I am 40, I feel surrounded by people in their 30s who have failed to figure a lot of things out, but think they have (present company excluded).
-- My conclusion that a lot of people haven't figured out things that they should know by now is fairly subjective, if not downright solipsistic. Concluding that you have life figured out is a very illusory proposition (in other words, I realize how much I don't know and probably can't know)
-- Invest in assets as wisely as possible, e.g. real estate and securities, but DO invest, if at all possible. Make your money work for you while you are out there toiling away. No matter how old you are, it's probably not too late. Building equity in your own business seems like a great way to go, if that is an option.
-- My own experience, for what it's worth: hard work and inspiration are both needed in order to really get somewhere satisfying. It's best to have both, not to have to choose between them
-- Lotteries and casinos are great big scams, but gaming can occasionally be fun. Lotteries are for misplaced dreams.
-- Some weird shit definitely went down in Roswell, New Mexico*
-- Love and meaningful work are the two most important things in life, in that order
* haha, just kidding
Wait a minute, this sounds too much like Mitch Albom. Who am I to hand out advice? Sorry if this is too nauseating.