Would you like yourself? What would you tell yourself? If you are now over 40 years old, what would you tell yourself?
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Michelle, It is very hard to put down that chocolate bar (now I want one),and,sometimes, life makes it hard to save money; however, there are great Hubs on how to save money. I would never recomend a Hub that tells one give up chocolate(even a diet).
I like your answer because I can actually see, by your writing style, your thought process. So, I am going to ask you another question-would your past self like what you have become?
Plan your future more carefully is really good advice. It is very easy to go ino survival mode and let your future pass you by.