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Success Advice

Wealth Lessons Everyone Should Hear for Every Stage of Your Life

Do you have the courage to rewrite your story?

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what i would tell my younger self

Do you see what I see? Likely not, as we each see ourselves through the lens of our own story.

Here’s a snapshot of mine.

I grew up lower middle class.  I was overweight and bullied in school, which had a lasting emotional effect well beyond the years of bullying. My mother was a homemaker and my dad worked around the clock so he was rarely home. 

After a defining moment involving being bullied and then being inspired by the movie sensation Rocky at the time, I laced up my tennis shoes and went for a run. From that day on, fitness became my church in many ways and it shaped my discipline. I thrived as a straight A student and then married and had my first child during my last year of college…1983. 

My career in wealth management followed a few years later along with my second child. My career and life have seen incredible lows….and highs! – the market crash of 2000-2002, the Great Recession from 2007-2009 and the COVID-19 Pandemic in 2020. 

I navigated a divorce, found love again (and we just celebrated our 17-year anniversary!) and became a father for a third time in my 50s. With all of its ups and downs, the one thing I know for sure is that I wouldn’t change any of it as it made me who I am today.

What I would share with my younger self

We often hear the phrase, “What would you tell your younger self?” For me, when I look in the mirror, I think about what I would tell myself at various stages in life like my 20s.

During this phase, it was all about the hustle, and there was no real balance. I feel like it was fight or flight mode all the time.

What I would tell my 20ish self:

  • Work to find balance – your happiness depends on it.
  • Live a little – laughter is like medicine.
  • Spend as much time with your kids as you can – it goes by SO quick!
  • Set goals and track them.
  • YOU are going to make it (be dedicated and consistent).

I was reflecting on my 30s and all of the lessons I learned in this period of time. It may have been a little rocky (yes that is a nod to the movie that inspired me to get fit), but by taking the lessons, I learned the value of learning versus winning.

If I was talking to my 30ish self I would say:

  • It’s better to cut your losses early – time is invaluable.
  • It’s okay to start over – failure isn’t final.
  • Eat more pizza – an indulgence here or there won’t derail you.

If you do what you love, you will never work a day in your life – are you working or doing what you love?
Integrity always- your reputation should be your most coveted possession – act accordingly.

I don’t know if its just me but in my 40s I realized that you need to channel grit to outlast life. Mentally, emotionally and physically I realized that longevity and sustainability in all ways was key.

If I had a chance to sit down with my 40ish self I would say:

  • Trust your gut – it’s usually right.
  • For every door that closes, another opens. Don’t be afraid of closed doors. They are redirections.
  • Life is a marathon, not a sprint – train accordingly every day.

My 50s were empowering – not because they were easy – but because I learned the importance of mastering uncertainty. In life, the one constant is change so if you can learn to master uncertainty, you are already ahead.

A few other things I learned in my 50s include:

  • You cannot control the market = it took me a long time to accept this but it is a universal truth.
  • Things don’t always turn out as planned – and that is ok – as they turned out as they were supposed to.
  • Be brave when others are fearful – after all, fear is often simply “false evidence appearing real,” as our minds like to create all sorts of stories.

Do you have the courage to rewrite your story? Today in my 60s I look back at myself on the day I laced up my tennis shoes and went on the shortest yet hardest run I have ever been on. I remember thinking…my life cannot always be this way. 

I have to create change. Were my runs easy while I was over weight? Did the bullying voices immediately go away? No. Change doesn’t happen overnight. It requires discipline, dedication and consistency. 

But am I grateful beyond measure that I put on my running shoes that day and committed to change? Yes. I can’t imagine where I would be today had I not made that decision. So, have the courage to rewrite your story if needed. No explanation necessary. Make the choice to make the change.

With over three decades of dedication and service, Bart A. Zandbergen is an esteemed Certified Financial Planner® and the Founder and CEO of The Zandbergen Group. As a nationally recognized authority in financial planning and investment advising, as well as a Certified Divorce Financial Advisor®, he has devoted his career to guiding clients to a life full of purpose and financial freedom through personalized financial planning. His integrity, laser sharp focus and skill at guiding his clientele’s financial future led to him being recognized as one of the nation’s top 1% of financial advisors, according to Forbes Magazine. Bart is also an accomplished public speaker; his expert point of view has been published in The New York Times, Forbes, The Orange County Register, Nobleman Magazine, Mensbook, Modern Luxury, Wellbeing Magazine, and Riviera.

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Life

9 Harsh Truths Every Young Man Must Face to Succeed in the Modern World

Before chasing success, every young man needs to face these 9 brutal realities shaping masculinity in the modern world.

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harsh truths for young men
Image Credit: Midjourney

Many young men today quietly battle depression, loneliness, and a sense of confusion about who they’re meant to be.

Some blame the lack of deep friendships or romantic relationships. Others feel lost in a digital world that often labels traditional masculinity as “toxic.”

But the truth is this: becoming a man in the modern age takes more than just surviving. It takes resilience, direction, and a willingness to grow even when no one’s watching.

Success doesn’t arrive by accident or luck. It’s built on discipline, sacrifice, and consistency.

Here are 9 harsh truths every young man should know if he wants to thrive, not just survive, in the digital age.

1. Never Use Your Illness as an Excuse

As Dr. Jordan B. Peterson often says, successful people don’t complain; they act.

Your illness, hardship, or struggle shouldn’t define your limits; it should define your motivation. Rest when you must, but always get back up and keep building your dreams. Motivation doesn’t appear magically. It comes after you take action.

Here are five key lessons I’ve learned from Dr. Peterson:

  • Learn to write clearly; clarity of thought makes you dangerous.

  • Read quality literature in your free time.

  • Nurture a strong relationship with your family.

  • Share your ideas publicly; your voice matters.

  • Become a “monster”, powerful, but disciplined enough to control it.

The best leaders and thinkers are grounded. They welcome criticism, adapt quickly, and keep moving forward no matter what.

2. You Can’t Please Everyone And That’s Okay

You don’t need a crowd of people to feel fulfilled. You need a few friends who genuinely accept you for who you are.

If your circle doesn’t bring out your best, it’s okay to walk away. Solitude can be a powerful teacher. It gives you space to understand what you truly want from life. Remember, successful men aren’t people-pleasers; they’re purpose-driven.

3. You Can Control the Process, Not the Outcome

Especially in creative work, writing, business, or content creation, you control effort, not results.

You might publish two articles a day, but you can’t dictate which one will go viral. Focus on mastery, not metrics. Many great writers toiled for years in obscurity before anyone noticed them. Rejection, criticism, and indifference are all part of the path.

The best creators focus on storytelling, not applause.

4. Rejection Is Never Personal

Rejection doesn’t mean you’re unworthy. It simply means your offer, idea, or timing didn’t align.

Every successful person has faced rejection repeatedly. What separates them is persistence and perspective. They see rejection as feedback, not failure. The faster you learn that truth, the faster you’ll grow.

5. Women Value Comfort and Security

Understanding women requires maturity and empathy.

Through books, lectures, and personal growth, I’ve learned that most women desire a man who is grounded, intelligent, confident, emotionally stable, and consistent. Some want humor, others intellect, but nearly all want to feel safe and supported.

Instead of chasing attention, work on self-improvement. Build competence and confidence, and the rest will follow naturally.

6. There’s No Such Thing as Failure, Only Lessons

A powerful lesson from Neuro-Linguistic Programming: failure only exists when you stop trying.

Every mistake brings data. Every setback builds wisdom. The most successful men aren’t fearless. They’ve simply learned to act despite fear.

Be proud of your scars. They’re proof you were brave enough to try.

7. Public Speaking Is an Art Form

Public speaking is one of the most valuable and underrated skills a man can master.

It’s not about perfection; it’s about connection. The best speakers tell stories, inspire confidence, and make people feel seen. They research deeply, speak honestly, and practice relentlessly.

If you can speak well, you can lead, sell, teach, and inspire. Start small, practice at work, in class, or even in front of a mirror, and watch your confidence skyrocket.

8. Teaching Is Leadership in Disguise

Great teachers are not just knowledgeable. They’re brave, compassionate, and disciplined.

Teaching forces you to articulate what you know, and in doing so, you master it at a deeper level. Whether you’re mentoring a peer, leading a team, or sharing insights online, teaching refines your purpose.

Lifelong learners become lifelong leaders.

9. Study Human Nature to Achieve Your Dreams

One of the toughest lessons to accept: most people are self-interested.

That’s not cynicism, it’s human nature. Understanding this helps you navigate relationships, business, and communication more effectively.

Everyone has a darker side, but successful people learn to channel theirs productively into discipline, creativity, and drive.

Psychology isn’t just theory; it’s a toolkit. Learn how people think, act, and decide, and you’ll know how to lead them, influence them, and even understand yourself better.

Final Thoughts

The digital age offers endless opportunities, but only to those who are willing to take responsibility, confront discomfort, and keep improving.

Becoming a man today means embracing the hard truths most avoid.

Because at the end of the day, success isn’t about luck. It’s about who you become when life tests you the most.

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Change Your Mindset

Work-Life Balance Isn’t a Myth: Here’s How to Actually Make It Happen

Work stress doesn’t have to win, here’s how to protect your peace and thrive in any workplace.

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workplace stress management techniques
Image Credit: Midjourney

Starting a new job often comes with excitement and ambition. Yet, beneath that initial enthusiasm, many employees quickly encounter the reality of workplace challenges, especially stress. (more…)

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Change Your Mindset

The Four Types of Happiness: Which One Are You Living In?

Most people chase success only to find emptiness, this model reveals why true happiness lies somewhere else.

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happiness model explained
Image Credit: Midjourney

In a world driven by rapid technological growth and constant competition, many people unknowingly trade joy for achievement. (more…)

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Success Advice

11 Mark Manson Lessons That’ll Redefine Success in the Digital Age

Success in the digital age isn’t about hacks, it’s about the raw, real lessons Mark Manson actually lives by.

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Mark Manson life lessons on success
Image Credit: Midjourney

In 2016, Mark Manson released The Subtle Art of Not Giving a F*ck, a brutally honest, thought-provoking book that redefined self-help for a new generation. (more…)

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