It’s sad to see, I talk to people who graduated the same year as I did and have never put a dime away for their future. They’re middle-aged by the time reality begins to set in on them and don’t know what to do. When you’re in your 20s you think you have all the time in the world ahead of you. When you’re in your 40s you realize more than half the time you had is behind you. 

 Yes sir. It's never too late to start or take corrective action/ evasive maneuvers. Get off the X.