The greatest gift that your younger self could have granted the older version was saving for a rainy day and a better future. We mostly tend to think of today, right now and at the moment. Failure to save is what has rendered you broke and poor at 40. Imagine the insane amount of money that you’d have in your savings account by now if you’d started saving earlier. You’d have a safe financial landing whenever need arises, enough saved up for early retirement, mortgage paid in full and enough to start up a long term income earning project if not more. In short, the financial worries that engulf you now would not exist.