Just turned 30! I'm starting to bloom just recently. I wouldn't call the 20s a complete waste but definitely something I look at now - and want to take longer deeper strides now. 

SatsMate

You are in your 30s, right? Good that you realised this early. Men bloom in their 40s, so you have plenty of time 

cryotosensei

Why territories are the best thing to happen to SN

I've grown up with somewhat of a scarcity mindset as all. It is destructive, but I  have changed now! I know at any moment in time I can make more money, and create more value in this world. I understand where the mindset comes from, especially those on fixed incomes or dependent on one ordinary income! 