You might think you know what you want now. It will change over time. If you have no idea, start with what you don’t want and go the opposite direction.
Step 1: know exactly what you want. Have a big vision that is crystal clear.
Step 2: Know exactly what is true. See reality for what it is and accept the honest facts of the situation.
Step 3: Be flexible in the way you close the gap between 1 and 2.
As long as you are breathing, you have time. It is never too late to change.
Money is a great servant but a horrible master.