My old Granddad told me, when I was 15 and about to go off into the world of the Armed Forces
"There are three pieces of advice I can give you
1. Move your bowels every day
2. Never borrow nor lend any money
3. Always remember that it is often a mistake to take up an "offer" from a woman BUT it is ALWAYS a mistake not to."
He was, of course, right.