Motivating but I must comment on this phrase:
“Don’t be conservative in your career until you’re in your 40’s. There is little risk while you’re young, energetic, and motivated”
If there is little risk while you are young, energetic and motivated then it is not called “risk”. Risk is when the stakes are high, so when someone in his 40’s or 50’s or older take risks it is measured very highly. Risk also stimulates the energy levels of a person, as well as their enthusiasm and motivation at any age.