Dear Joey,

I really enjoyed your article. Although I am a bunch of decades out of college now, I think it’s never too late to start, plus I’ve sent your article to my 21-year-old & 17-year-old. Some habits are just tremendous to cultivate, the earlier the better, of course.

There is an old Chinese saying (it’s redundant, is there a new Chinese saying? No.) The best time to plant a tree is 20 years ago. The second best time is now.

Thank you for writing this wonderful article.