Is there anything I would do differently if I could turn back the clock? A letter from a reader: Hi AK, My husband just passed his 31st birthday last month and mine is coming up soon. We are curious... Turning back time, what would you have done differently for your personal finance at age 31? What were the things you wished people had told you when you were 31? What would you tell the people who are at age 31 now? :) Cheers. A AK's reply: Hi A, For me, it was always about being financially prudent and investing (mostly for income) for greater financial security. Delay gratification, do the right things and we will have plenty of stuff for free many years down the road. ;) HAPPY BIRTHDAY! Best wishes, AK If we consume more now, we will have less later. If we consume less now, we ......