Exercise. Not for weight loss or a ‘beach body’ but for your future strength, mobility and flexibility - and thus independence.
if you think time is flying now, it’s nothing to how fast it goes in your 60s and 70s, so take time to enjoy what you’re doing in the here and now. And if something is genuinely shit, change it. Life really is too short.
Similarly, if there’s something you’ve always wanted to do or try, work towards it actually happening. Doesn’t matter if you then don’t want to keep doing it.
There may not be any pockets in a shroud, but retirement to that point may be long, so sort your pension and finances as best you can (but not at the expense of having enough to enjoy your pre-retirement years). And once you’ve retired, ffs spend your money on things that make you happy.
Good things: increased confidence in my choices; increased willingness to take risks, and laugh if I fail. I genuinely don’t give a shit what others think. Post-retirement, I have more time to do things I want, or to do nothing for a whole day if I feel like it, and I don’t feel guilty about either of those. I have less money but more flexibility about how I spend it in many ways. My emotional resilience has improved massively over the years, although the menopause was tough in that respect. It no doubt helps have less stress now than at any point during the child-rearing and working years.
Oh, I’m coming up to 70