good question. i think the only way is to really catch up with the sailed ship is to work smartly and not work hard.
i always have the quote in my skull "In life over taking is allow" the fat that someone lower than our age as gone far does not mean we can't go ahead of them again irrespective of the fact age may not be on our side.
one just have creatively strategize and do something meaningful that can help to boost one source of income.
that Is the truth overtaking is definitely allow because every parent will pray for their children to be ahead if that is the case why are we now worry about those little that as gone ahead of us..
However If you don't know where your friend started you their not run with him because if you do you will surely fail
I believe God time is always the best for us
I totally agree with you ma