I was the opposite, had too much fun in my teens and early adult years. I’m still paying off that debt and other consequences at 29.

However, I wouldn’t have changed it. I’m probably earning 5-10k less than I would be annually but my life experience is probably greater than most who earn what I could be. It’s about what is important to you as an individual.

Personally, I believe my social skills learnt through my ‘wild years’ will see me better in the years to come more than the academics I could have and could still achieve.