If I could be 20 again ... I'd really like to have my 50 year old self standing quietly behind me. There are thing that I did that were great, even though they cost money, and I would tell 20 to go for it, even if that didn't improve the bottom line one bit. There were things that I did that were incredibly stupid, that also cost money. Most of my mistakes revolved around thinking that if something is good, more of it is better. I went to Australia and New Zealand - that was great! I bought $2,000 in overpriced souvenirs that I carried around with me for a month - Stupid! I got my driver's license and bought a car. MMM may disagree, but for me, that was great! Then I sold it two years later for a brand new Dodge Daytona. STUPID!
Try to get to know yourself, so you can figure out what you might really find great vs what you are lured into thinking you should want. Go for experiences rather than Stuff. Love people deeply, but know your boundaries and honor them.