My advice to anyone these days is:
You have heard the old saying don't put all your eggs in one basket, it's true
You have to live somewhere so own a house.
Do not be frightened to get out of bed in the morning because you may be hit by a bus.
In other words do not over gear yourself and go about your life in a safe prudent manner
And most important be positive and take time to smell the roses because life is far too short Here endeth the lesson