If you could talk to your 21-year-old self, what advice would you give?

 Here's something for you to ponder GOLO. What do you know now that would have made a big difference in your life, had you known when you were 21?

It doesn't have to be anything earth sahttering. Just tell us what you think would have made a difference for you. 

I for one, would tell myself to start investing in the stock market ASAP and do everything my financial planner said.

I didn't start until I was about 26 and it would have made a big difference. 

I also would tell my 21-year-old self to buy a house as soon as I could.

How about you?