[jly]

This is mine, too.

I'm in my 40s now but I didn't get serious about saving and managing money until my mid-30s. Lived a very fun but expensive lifestyle downtown in a major city for many years while single.

I'd be a lot closer to some of my financial goals if I had been more focused on saving through my 20s and 30s. While my family is doing fine compared to many others, it feels like I'm always trying to catch up. This really starts to hit home when you add kids.