40 year olds, what financial advice would you have for a 30 year old?

50 and older, I’m sorry, but in my personal experience, your advice has been a little out of date.

Don’t smoke, don’t drink, learn composting, grow a garden and learn foraging.

Fuuuuck, I do both, though I’ve been… Trying… With the smoking. I have been working on my tomatoes though!

You can grow your own tobacco. Once you do, never buy someone else’s (big tobaccos) crops.

It’s cheaper, you’ll probably smoke a lot less of it (you have to make each harvest last until the next crop is ready!), and you’ll have more fun with it when you do (pipe or rolling your own smokes, bragging rights, etc).