One of the concepts I have tried to emphasize with all of my clients, whether they are 25 or 75, is to live life in the middle. At all stages of life there is a middle ground that recognizes that life is a gift that must be lived fully, yet responsibly. It recognizes that there are no guarantees in life, and that an abundant life should not be deferred to some future date.
Having been in practice for over thirty years, I have seen the curves that life can throw you, whether you are young or old. Those who have not lived life fully along the way often miss the joy of a life lived in balance.