Time Will Tell

“Your habits will determine your future.” 

-Jack Canfield

In your early 20s you can't really tell who's following good principles and who isn't. We can't tell because we're all starting out at roughly the same spot: We're all young, full of energy fresh out of school and feeling invincible. 

Over time, our habits will define who we are.

Fast forward 10-20 years and you can see more clearly who has and who hasn't followed good finance/health/relationship... principles. If they continue on the same path they'll have similar result for the next 10-20 years as nothing will change unless they do. A quote related to this, often attributed to Albert Einstein, says "Insanity is doing the same thing over and over and expecting different results".

Those that don't live intentionally are more likely to end up somewhere they never wanted to be to begin with. Always set yourself small goals in any important areas of your life and work towards them.