After sharing the first part of Advice to My Younger Self, I was both encouraged and inspired by the feedback I received. Special shout out to all those who told me to give my younger self stock tips with specific companies to buy … if only. It was nice to hear how many people resonated with my reflections – and it reiterated how universal these concepts really are. Since then, I’ve continued to reflect on the principles that shaped me … the ideas I wish I had embraced earlier and those I still lean on today. I want to share five more ideas that have proven invaluable, both in my personal and professional life.

Remain Level-Headed

This is a very valuable lesson that came from my grandfather. He used to say, “When things are bad, don’t cry so much. When things are good, don’t celebrate so much.” A similar quote is, “Don’t let success go to your head and failure go to your heart.” Things change. Sometimes you’re up, sometimes you’re down – that’s life. The sooner you accept that, the better equipped you will be to handle the highs and lows. Staying level-headed prevents you from making emotional decisions and, more importantly, gives you the stamina to keep going regardless of your cuurent circumstances.

Incorporate Early

It’s never too early to start your own business. That doesn’t mean you have to be fully self-employed – although I personally believe that entrepreneurship is one of the most effective ways to achieve financial independence – it means always thinking like a boss. At the very least, obtaining a good understanding of the basic principles of business, accounting, and tax strategy is invaluable. My parents came to this country with almost nothing, and within a year, they opened their first business. For them, it wasn’t just about making a living — it was about flexibility, freedom, and the ability to take control of their future. And more importantly, they taught me that if you’re willing to work hard, you can truly shape your own destiny.

Mind Your Surroundings

This one is often overlooked but critically important. Networking is invaluable — but it’s a double-edged sword. Be mindful of who you associate with and who you give of yourself to. Be selective. Not every opportunity, relationship, or connection is worth your time. There are too many “vampires” out there who will drain your energy, optimism, and even your wallet if you let them. On the flip side, if you pay attention, you’ll find people who have achieved what you aspire to – and you should learn from them. Surround yourself with those who challenge you, elevate you, and genuinely want to see you succeed. Another aspect of this is to take counsel frequently. Talk things out with people who can guide and advise you as experts on different topics.

Intentional Exertion

I wasn’t sure how to label this, but my message is simple: Push yourself — always. Push to make time for your loved ones. Push yourself to create a non-negotiable time for learning, reflection, and personal growth. Push yourself to invest even when it feels uncomfortable. Push to open a business. Push to buy real estate. Be sensible, but don’t be afraid to stretch yourself. Growth, whether personal or financial, rarely comes without major effort. You’ll never regret the extra exertion you apply to the things that matter most.

Keep Moving Forward

Most people hesitate to take action because they are stuck. Stuck thinking about past mistakes, stuck worrying about worst-case scenarios, or stuck trying to predict every possible outcome before they move. The problem is, standing still doesn’t protect you – it debilitates you. The only way to overcome fear, doubt, or uncertainty is to take action and move forward. Rarely do we look back and regret taking action; we usually regret not taking it sooner. You’ll forget most of today’s challenges six months from now, but you will forever be impacted depending on whether you pushed through or stayed paralyzed. That’s why your car windshield is bigger than the rearview mirror. Where you’re going matters far more than what’s behind you. Progress only happens when you take action – even if it’s imperfect.

Would you rather have unlimited international first-class tickets or never have to pay for food at restaurants? Please let me know if you have a good “Would you rather” question, and we will highlight your submission.

Shmuel Shayowitz (NMLS#19871) is a highly regarded Real Estate & Finance Executive, Writer, Speaker, Coach, and Advisor. He is President and Chief Lending Officer of Approved Funding, a privately held national mortgage banker and direct lender. Shmuel has over twenty years of industry experience, holding numerous licenses and accreditations, including certified mortgage underwriter, licensed real estate agent, residential review appraiser, and accredited investor, to name a few. Shmuel has successfully navigated through many changing markets and business landscapes, making his market insights and experience well-coveted within the real estate industry. He can be reached via email at Shmuel@approvedfunding.com.