In your 30s you start to find yourself getting a little more mature but you still have that wild side in you. You start thinking more to the future with a house and more reliable car. If you don't have much of a savings you should at least being doing 401k with your work for some kind of retirement no matter what the market is. Albert Einstein "may" have described compound interest as the “eighth wonder of the world,” saying, “he who understands it, earns it; he who doesn’t, pays for it. Benjamin Franklin, described it: "Money makes money. And the money that money makes, makes money." That is probably the simplest explanation of compound interest you'll ever hear. Just know that its good. Try not to have more that $5K in credit card debt. Pay that crap off. The biggest secret to life is having a small nut to pay.

30s/40s
You're still considered sort of young. These will probably be your last couple decades before starting to feel those mystery pains. You know, the aches and pains from previous dent and scratch injuries from your youth. Some decent foundation laying habits to do immediately... The second biggest secret is if you haven't been, start taking care of yourself NOW. Stop smoking if you do smoke. Hit the gym 2-3 times a week. Get your heart going with a little cardio. You don't have to go nuts or anything. Your metabolism starts to change so you have to work a little more to burn some of the flub. Learn to cook for yourself and others. It takes nothing to throw some chicken or salmon in the oven for 20 min while you make rice and a vegetable. Its also cheaper and 10 fold better for you than ordering something out all the time.

Miscellaneous tips...
You may find someone to get married to. If not, don't sweat it but keep trying. Kids are cool but if you don't have any its also not a biggy. Online dating apps are ok but op to meet people doing things you like doing ie gym or whatever. Online social media apps and being on your phone all the time stunts your interpersonal skills though. If your online more than in person your doing it wrong. Start reading a book once and awhile no matter what the subject is. Travel somewhere outside of the country to see places and how others live. It "Broadens your Horizons" and will definitely help you appreciate things more - especially where you live. Don't do anything half ass. Do it right the first time. Always show up 10-15 minutes early. Just know that most people are in the same boat. Most don't know anything more than the other. Vote, wear sunscreen, and ALWAYS be humble because there's always someone having a tougher go at it than you.

Mid to late 40's
You're considered and "old guy" by anyone under 30. It’s laughable but that's the way it is although you'll be at the top of your game. 50's may start to suck with seeing parents and other family getting older, sick and/or dying. Your parents dying will be one of the major events of your life and will be tough. Like most things time heals. Make a will and have things in place. All that health stuff I mentioned above starts to rear its head. You'll start getting educated quickly by your doctor about Blood pressure, cholesterol, colonoscopy and other stuff. Lastly, it alright to only have a handful of good ride or die fiends. There’s a ton of reasons why people come and go in life and sometimes it has nothing to do with you.

That's all I got for being 52. Older friends have told me 60's are more of the same and 70's is where the fun really starts with health related stuff.

Everybody's Free
Song by Baz Luhrmann

If I could offer you only one tip for the future, sunscreen would be it
A long-term benefits of sunscreen have been proved by scientists
Whereas the rest of my advice has no basis more reliable
Than my own meandering experience, I will dispense this advice now
Enjoy the power and beauty of your youth, oh, never mind
You will not understand the power and beauty of your youth
Until they've faded, but trust me, in 20 years, you'll look back
At photos of yourself and recall in a way you can't grasp now
How much possibility lay before you and how fabulous you really looked
You are not as fat as you imagine
Don't worry about the future
Or worry, but know that worrying
Is as effective as trying to solve an algebra equation by chewing Bubble gum
The real troubles in your life
Are apt to be things that never crossed your worried mind
The kind that blindsides you at 4 p.m. on some idle Tuesday
Do one thing every day that scares you
Saying, don't be reckless with other people's hearts
Don't put up with people who are reckless with yours
Floss
Don't waste your time on jealousy
Sometimes you're ahead, sometimes you're behind
The race is long and in the end, it's only with yourself
Remember compliments you receive, forget the insults
If you succeed in doing this, tell me how
Keep your old love letters, throw away your old bank statements
Stretch
Don't feel guilty if you don't know what you want to do with your life
The most interesting people I know
Didn't know at 22 what they wanted to do with their lives
Some of the most interesting 40-year-olds I know still don't
Get plenty of calcium
Be kind to your knees
You'll miss them when they're gone
Maybe you'll marry, maybe you won't
Maybe you'll have children, maybe you won't
Maybe you'll divorce at 40, maybe you'll dance the 'Funky Chicken'
On your 75th wedding anniversary
Whatever you do, don't congratulate yourself too much
Or berate yourself either
Your choices are half chance, so are everybody else's
Enjoy your body, use it every way you can
Don't be afraid of it or what other people think of it
It's the greatest instrument you'll ever own
Dance, even if you have nowhere to do it but your own living room
Read the directions even if you don't follow them
Do not read beauty magazines, they will only make you feel ugly
Get to know your parents, you never know when they'll be gone for good
Be nice to your siblings, they're your best link to your past
And the people most likely to stick with you in the future
Understand that friends come and go
But a precious few, who should hold on
Work hard to bridge the gaps in geography and lifestyle
For as the older you get
The more you need the people you knew when you were young
Live in New York City once but leave before it makes you hard
Live in northern California once but leave before it makes you soft
Travel
Accept certain inalienable truths
Prices will rise, politicians will philander, you too, will get old
And when you do, you'll fantasize that when you were young
Prices were reasonable, politicians were noble
And children respected their elders
Respect your elders
Don't expect anyone else to support you
Maybe you have a trust fund, maybe you'll have a wealthy spouse
But you never know when either one might run out
Don't mess too much with your hair
Or by the time you're 40 it will look 85
Be careful whose advice you buy but be patient with those who supply it
Advice is a form of nostalgia, dispensing it is a way of fishing the past
From the disposal, wiping it off, painting over the ugly parts
And recycling it for more than it's worth
But trust me on the sunscreen