I think a gentleman is someone who holds the comfort of other people above their own. The instinct to do that is inside every good man, I believe. The rules about opening doors and buying dinner and all of that other 'gentleman' stuff is a chess game, especially these days.
I'm not a money manager, but I can tell you what the conventional wisdom is. The younger you are, the more risk you can take on.
I have to change a lot of things before I become a good marathon runner.