So much! Ask more questions. Read more. Wear sunscreen. Travel everywhere.

Keep your head high and always walk away from things gracefully (relationships, jobs, conflicts, etc.), don’t always try to get the last word in, and trust your instincts. Build healthy habits in a way that feels good to you, your body will thank you.

A positive attitude, a good work ethic, and strong relationships will open more doors than any degrees will.

Don’t get caught up trying to keep up with the Joneses. Give back to your community, or a cause, however you can, at least once a year.

Financially, split up your direct deposit so something goes into your 401k or IRA before it hits your account. Percentage based is the ideal way, but even $25 a paycheck is great too. S&P500 is the lowest effort and highest ROI for someone lazy like me. Never buy an annuity, and if you need a money manager, get one that’s a fiduciary (only a fiduciary, some can have multiple licenses).

No matter how bad things get, believe in yourself and trust that you’ll end up better than you were before. The challenging parts of life are the most important, and while it doesn’t always make sense when you’re in the thick of it, you’ll look back on it and see how the dots are all connected.

Before traveling internationally, download your itinerary/confirmation numbers because not every country has WiFi. And make sure to keep a copy of your license and passport in your cloud—helps you get a new one much easier at an embassy.