Carpe the sh*t out of your diem

Life is precious. You never really know if today will be the last time you see someone. Whenever you see them, you should never, ever hesitate to tell them: “Hey, I really need that money back from you.” After that it’ll be too late and pretty awkward to ask their surviving relatives to pay you back.

Don’t procrastinate. Tell people what you need to say to them…