are twenty two years old you are entering first of all some of the greatest years of your life because you have to understand this next five-year window is when you don't go practical and safe this is not the time to get the job mom wanted you to this is not the time to try to maximize as much money so you can buy of that whip what you should do is go and travel and learn go and start that business that you've always wanted this is the time to be massively risk massively risk oriented but boy if you're lucky enough to be graduating today with not fucking idea of what you're going to do with your future nobody's ever been luckier than you please recognize it