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re oh so need to move W&S

re I don't think cardio need to be avoided..

re: I don't think always hair gel always leads to hair loss. It depends upon the quality and type of gel you are using if you are using cheap quality hair gel or the type of gel which not suits with your hair type then it is quite possible that it cauz hair loss to you. Hair Transplant

You said you don't want to be rich so this should be very achievable. ...

re: yes you should do it now..

I would live a lifestyle of being BELOW your means, focus hard on reducing your expenses and tax expenses, but keeping a certain QUALITY of life while adding to your savings/retirement plans every year.