Maxed out retirement accounts, just put this on auto and never miss the money going into savings. Even without compounding, we'd be sitting on at least half a mil!
This is slightly more than a decade ago, but I would have majored in engineering/computer science/math from the get go. My first degree is in English. WTF. I ended up getting a BS in Computer Science 7 years later, but at that point we were starting a family and I wanted to be home, so I still haven't fully pursued this career path and don't know how easy it will be to get into by the time my kids are both in school.
Wouldn't change the timing of the kids or my marriage though! Not too early and not too late, just right. The one thing I wonder if I'll regret 10 or more years from now is our decision to stop at 2 kids. It's the only thing that seems sane right now (hello, sleep deprivation! and providing well for who we've already got) but my grandmother is in my ear to have 4 children, that a large family is all that matters once you reach her age. I have the niggling suspicion in the back of my head everytime I think of Dr. Snip that she might be right...