Q: My wife and I are entering our mid-60s, along with the majority of our friends. Why did we react the way we did to the things that happened to us? Did we focus on the wrong priorities and misjudge our family and friends? Why were we so impatient, and why didn't we anticipate how our decisions would affect our lives?

Obviously what has been done is done, and we cannot change those actions. However, now we would like to pass along to our growing family some common sense wisdom, which might prove to be helpful and productive for their futures. What would you recommend?

A: Here are some thoughts. Nothing beats choosing a lifetime positive attitude. Committing to that habit serves as a winning bridge to our futures.

We all experience our regrets. Among the most commonly cited ones is failing to tell our parents how much we love them and appreciate how they raised us.

I suggest thinking twice before judging others. I suggest turning off you phone for at least an hour a day. Seldom are your calls of immediate importance; it can wait for an hour.

Everyone is entitled to their private time, which offers a second wind and opportunity to reenergize.

If you're thinking of ending a relationship, think hard and make sure you want to split from your partnership. Breaking up with a loved one can be a mistake, and once done seldom renews.

Choosing to grow up and accept adulthood and responsibility allows you more freedom, self-assurance and the joy of becoming your own person.

Have the bravery to express your feelings. Don't shortchange your family while they are growing up. You only have one opportunity. Working too hard and long for money is not necessarily a winning trait. Have the courage to live your dream!

Opening up, chatting and discussing ideas such as these can alert your family of options and priorities that can change their lives! Make it a priority!

CREDIT CARDS CAN BECOME DANGEROUS

Q: I have not been able to control my credit card usage since the day my dad helped me to get one. Although he warned me about overspending, in less than two years I owed $2,713. I couldn't even make the minimum monthly payment.

When I had to confess to my parents, they told my grandparents what I had done. They all sure read me the riot act.

What are my options? I think my grandfather has a lot of money.

A: I had a similar experience with my grandson. Even though I warned him of the danger of overcharging and high interest rates he, too, fell into the overspending trap.

Experience is a great teacher, and we all go through these trials throughout our lives.

Talk to your grandfather and confess your innocence. Ask for a chance to negotiate. Pledge to him that if he will pay your card off that you will cut up your card and pay cash for everything you buy. Tell him you have learned your lesson.

If he doesn't bail you out, ask your grandmother for the money! Give her a hug!

I'll close with a Dougism: "I often talk to myself when I need expert advice.''

Doug Mayberry makes the most of life in a Southern California retirement community. Contact him at deardoug@msn.com. Betty is a friend of Doug Mayberry, whom she helps write this column. To find out more about Doug Mayberry and read features by other Creators Syndicate writers and cartoonists visit the Creators Syndicate website at www.creators.com.