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I would not use those credit cards I started using when I was in College...I would also have kept that money in a savings account.

ETA: I'd stay away from that turd I dated when I was 16.

I wish I knew how to not be so socially awkward growing up.

I would finish at the college where I started. I really miss the friendships that I'd started there and know they would've been absolutely great with more time.

If I hadn't moved back home though I wouldn't have met DH so it was the right decision.

I would definitely not sweat the small, meaningless stuff in high school and college, because most of it doesn't matter in the end! It took me a long time to get that habit under control & I feel like I wasted valuable time stressing out over nothing.

I would go to culinary school instead of college. For some reason I felt like it wasn't really an option. In my family it was just a given that you'd go to college and get a "real" job. Almost 20 yrs later, cooking and baking is still my passion and I've had two careers that I don't really like, and a crapload of student loan debt.

The only change I have is that I would've gone to a 4 year state school for college instead of doing the college tour like I did... but then again, I wouldn't have met my best friend if I hadn't... so doesn't really matter~

Wow, so many things! I think the biggest would be to put friends ahead of boyfriends in my teens and 20's. I was always too boy crazy and was a notorious ditcher once I started dating someone. I felt so panicked to be in a serious relationship and looking back I really wish I had been calm about it and spent more time having fun with my friends.

I'd pick a different major. Philosophy was cool but totally useless in every sense of the word. I wish I would have done something health related (like kinesiology or nutrition) or something like child development/education.

Not much else I would change. I'm happy with the decisions I made and where it led me to.

If I had to pick one thing, it would be not going to grad school. I now have a larger student loan, and a career I don't like.

I would have stuck with the "harder" major in college, where I know I would be happier in now.

I wouldn't have gotten with the wrong crowd my first in college, luckily I brightened up after a few months.

I wouldn't have let my ex drag me along for so many years, looking back I can't believe I allowed myself to be treated like that!

@Rubies: amen sister!

I love my life now... But I would have worked harder to get along with my family. I didn't get along with my mom and brother until after I got married. Also, I wouldn't have agreed to live at my MIL's house after we got married so we could save money.

I wish I would have learned to be better with money. I suck with it. I've always had a good job and made a great salary, but I have also always had pathetic spending habits. I really admire that about DH, that he is so great with money. And he's not a tightwad, by any means, he's just smart with savings and investments.

I lucked out in finding him to "save" me, because if it weren't for him, I'd probably be homeless in the street wearing Juicy Couture and have all of my worldly belongings in a Michael Kors handbag, just sleeping on the street.

I always see that brand "Young, Fabulous, & Broke" and I smile because that pretty much defines my 20s:)

I wouldn't have had boyfriends in high school. I would have had more meaningful relationships with my girlfriends. I would have gone on a cross country road trip. And I would have been way better about saving money.