When it comes to life, I didn’t exactly play it smart. I didn’t save money. I didn’t pick a trade or rack up a skill set that would neatly line me up for a six-figure future. I kind of half-assed my way through it…. traveling, seeing the world, chasing experiences, and saying yes to life more than I said yes to responsibility.
There were plenty of highs and lows, and eventually, reality knocked. Hard. I had to hunker down and get serious. Later than most. With no formal education and no specialized skill, I landed a job I was qualified for simply because a city took a chance on me. It paid decently for the area, came with good benefits, and even had a retirement.
And guess what? I didn’t exactly crush that either.
Years later, I walked away. Instead of finding another “real job,” I did what I’d always done best, I left town, traveled, and lived without much care for tomorrow. Eventually, I convinced my family to buy a restaurant. I cashed out every dollar of my Ohio Deferred Comp to wipe out my debt. Then I poured my pension into getting that restaurant off the ground.
So here I am again. No trade. No degree. No formal skill. Just a bar and restaurant that does well enough to keep the lights on and the community happy.
The hard truth? I never set myself up for future success. Now I’m 53, married, trying to provide for my family, trying to buy or build a forever home. And it turns out, to afford a house today, you needed to start saving about 40 years ago.
There’s no usable property available. All we need is an acre or two. That’s it. And yet it feels completely out of reach. Really though, building is really out of reach! I don’t understand how others do it, especially when I look at salaries and realize I didn’t choose the “right” path. Hindsight, right? Maybe I should’ve gone into the medical field, everyone there seems to have what they need.
I’m tired and defeated. I’ve accepted that buying or building a house will never happen for us. I hate the house we’re in, it’s too small, we’ve outgrown it, and it doesn’t allow for the life we want to share with friends and family.
Maybe this is the price I pay for a wild, beautiful, irresponsible youth. Or maybe it’s just life being life.
So here’s my advice to anyone young and hungry for adventure: go explore. Live. See the world. But for the love of your future self, get an education, learn a trade, build a skill, invest something, save something. Set yourself up.
It’s too late for me.
But maybe my failures can still be useful to someone else.



