I can't really say because life is a natural roller coaster. The early to mid 90's were terrible for money. My teen years were wonderful for my involvement in horses, but torture because of school. The best time is actually now for finances, but my friend is not doing well health-wise. I view him as a father figure, and his imminent death will go hard on me. I DESPISE my job, but I like the money. So it is ALL good and bad.