Hindsight is 20-20, is it not? I got into a mountain (not a molehill, a mountain!) of debt in my 20s. I made several mistakes, and still had credit card debt by the time I turned 30. I don’t regret anything, but if I were able to get into a time machine and visit myself in my 20s, I would have a few pieces of advice, and some of them would have to do with money!
I can’t say that my 20-something self would listen to the older, wiser version of me, because in my 20s, I was heavily afflicted by know-it-all-itis, which many of my peers suffered from as well. But if I had heard, and listened? Let’s just say I would be much wiser by now.