People destined for great wealth often cannot hold onto money before age 40.

It's not bad fortune, but rather too much blessing.
Those carrying superior blessings must suffer hardship in their early years.
The more hardship endured, the greater the obstacles overcome,
the cleaner the karmic obstacles are cleared from your being.
Heaven lets you be unlucky, in debt, poor, and deceived before age 40
to polish you clean through tribulation,
to expand your perspective and strengthen your character.
Wealth carries energy.
Only when your experience, resilience, and mindset are worthy of it
will great wealth arrive with peace of mind,
and only then can you hold it, keep it, and discern what to gain and lose.
So there's no need to fear being "empty of all things" before age 40.
What's truly terrifying is being defeated by hardship and not daring to move forward again.
All the "lateness,"
is for more powerful accumulation and sudden breakthrough.
Life doesn't require winning multiple times,
but you must absolutely win the last time.