There isn't room here to say it all. 1) I would save money--even pennies if I had to. When we were young if we had $50, we spent $60.I would save, invest, and pay attention to where I spend my money rather than buying useless crap because I am bored or whatever it was that bothered me as a young person.
And I would not use credit cards for every whim that came along. It took us years to learn how to use, save and respect money.