What would you have done differently with your finances if you knew then what you know now?
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.
This is such a topical question for me. A couple of months ago I was given a back payment from work, over a thousand pounds. I spent it on bills, gave some to family and so on. A month later, I found out that my rent had not been paid, not my fault long story, and guess what? yes it was by a thousand pounds! Oh if only I had known! it worked out okay in the end but still...!
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