Those destined for great wealth often can't save money before the age of 40. It's not that their fate is bad, but rather that their blessings are too great. Those burdened with superior blessings will inevitably suffer in their early years. The more suffering and hardships they endure, the cleaner their karmic obstacles become. If Heaven lets you experience misfortune, debt, poverty, and being cheated before the age of 40, it's to temper you through adversity, to strengthen your character and resolve. Wealth has energy. Only when your experience, resilience, and mindset are commensurate with it will great wealth arrive peacefully, and only then will you be able to grasp it, hold onto it, and distinguish between what to keep and what to discard. Therefore, don't fear the "emptiness" before 40. What's truly terrifying is being defeated by hardship and then being afraid to move forward. All "late" moments are for a more powerful, accumulated strength to unleash its full potential. You don't need to win many times in life, but you must win that last time.