text:  likely you've already been set in your ways from a financial standpoint, meaning it's going to be good or bad, right? Meaning you're not going to be able to teach an old dog new tricks at that point, my opinion, and it's just not as impactful because largely you've already made your own way, meaning you're probably already retired or looking to retire. You saved enough. Maybe your house has already paid off, meaning you've already done the things that