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My dearest Millennials, you are in the unique position of having what every investor craves: time.

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1. You can vividly remember a time when you were much stronger than you are now. Remember those days? When you lifted people all day, everyday, over and over again with no second thought?

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Lately, I’ve had a few conversations with friends or family that have gone a little like this: “So, when are you going to move home and get a real job?” or “You should really start saving for retirement.” or “Some of us have real jobs we have to get up for.”

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Here are some useful tips to help you start putting away savings for retirement in 2015.

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No one judges how you look in a bikini, nor how early you go to bed. And old people like to drink.

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I have to admit, sometimes advertising makes getting old look like it’s worth saving some money for. Ladies in capri pants wearing sun visors and giggling on golf courses.

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This is nothing but advice aimed at preserving and increasing your net worth.

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He’s directed Out of Sight, The Limey, Erin Brockovich, Bubble, Full Frontal, Haywire, Solaris, King of the Hill, Contagion, Magic Mike, The Girlfriend Experience, The Informant!, a two-part movie about Che Guevara and three Ocean’s movies.

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Tell everyone he was j/k about the whole Hitler Youth thing, he just thought it was “swaggy as hell” to have a badass come-up story.

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I’d sit at the front desk of my motel and drink coffee from a Marlins mug and eat orange slices and watch the waves move back and forth.