The life of a man is divided into three stages, it goes thus:
1. *Morning stage, Ages 0-30* - This is the learning stage in a life of a man. At this stage you learn virtually everything you know to do today
2. *Afternoon stage, Ages 31-50* - I call this the EARNING STAGE. At this stage you decide your earning capability, you choose where to work, how you work and how you get paid.
3. *Evening stage, from Age 51 and above* - This I call the twilight stage, there isn't much you can do here but to retire and enjoy all you have labored during your earning stage.
It is shocking to know that *90% of Nigerians* have converted their evening stage to afternoon stage because during their afternoon stage they kept *Passing Over Opportunities Repeatedly*. They blame their family background, blame society, blame government etc.
I tell people if you live a youthful life of wrong financial decisions, it leads to adulthood of financial struggles which creates old age of financial regrets.
Do all you can now to give your future generation the type of life they deserve. It has been said repeatedly "if you are born poor it is not your fault but if you die poor or raise poor children then it is your fault".
Stop procrastinating, stop analyzing. In the words of NIKE...... *Just Do It!*

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