We'll let you off - MOST people hit 40 with no significant wealth. It's not necessarily your bad decisions it's macro stuff too.
Giving strategically can pay back for sure - I managed to leverage a voluntary job into paid work after only a few months!
Oh for sure. Do I wish I did things differently, sure. But at the time, I had no thought of the future. Indestructible youth and all that.
What is it they say...? Youth is wasted on the Young!
ha ha ha ha ha ha true!!