Three things you need to do so that you don't end up broke by the time you are 40. Stop saying life begins at 40. It is not true.
Don't depend on people and their promises, don't depend on the government, don't depend on any body.
You have to learn how you can develop yourself and make your own money.You need to understand the laws and principles of money money will always flow from people to you if you have something valuable to exchange for money.
Majority of the people who are broke don't have valuable products or skills to exchange for money, you need to create a product a that you are going to exchange for money.
3.If you spend money daily you also have to make money everyday, forget about your certificate, don't think that you need a job before you can earn money.
Salary is a scam, you have to create something, you need to sell something.