I wish I’d seen your blog and had a wider, less fearful view of the world in my 20s. I was just trying to get out of poverty and then get out of my head, so I followed my scholastic abilities right into nowhere with an M.A. in English and lots (lots) of debt.

I’m a really good poster child for your warnings.

What if you’re in your mid-30s, and you made the wrong mistakes (or took no risks other than borrowing on the future) and you find yourself entrenched? I (and probably lots of others) could use your no-holds-barred take on it. Planning any Make the Most of Your 30s When You Didn’t Make Your 20s Count seminars?