Joe Udo retired comfortably at age 38, thanks to smart saving and investing habits. While he's happy with how his life ended up, the now 43-year-old would do some things differently if he could go back in time.
He'd start by telling his 20-year-old self to read three specific books. "They would have helped me in various facets of life," he writes on his blog.
Of course, if you're like Udo and don't pick these up until your 30s or 40s, these works can still offer valuable insights. As he writes, "it's never too late to learn."