From birth through growth to the time of decline
 From decline to decay such a time is mine
 For all that went before for all that went astray
 For all that has been given and will be taken away
  
 I see the patterns unfold through my life by the gloaming of hindsight
 The illumination of knowing through latter years' insight
 As the past stretches out behind me the future road is short
 The decisions I have made will shortly come to nought
  
 I take one last chance to pass on the learning of my years 
 One last chance to help those to come if those to come have ears
 History is our greatest teacher for handling the vicissitudes of life
 Human nature is our undoing when handling the inconvenient truths of   advice
  
 Secure your future with love and enough wealth is the best advice I can give
 Working to this end gives hope which gives purpose to how you live
 Start early and start young to earn a path to joy and learn to take your rest
 Don’t deviate from this path but keep it flexible to be your very best
  
 Loss may strike you without notice grief may haunt your very door
 Grow from your loss for better to turn haunting to past lore
 Change will come unanticipated may shake you to your core
 See change as opportunity to put each foot firmly on the floor

 Wealth does not mean riches just resilience and security
 For you, your partners, your dependents, your growing maturity
 Be love and wealth empowered so that choices can be made
 Be moral with you choices and ethically do not fade

 When love comes your way hold it closely to your heart
 If love lost should leave you reeling be proud that you took part
 Know you have been loved and can love again because love is all around 
 If one thing is known it is all want love and with time it can be found