IF

...you could turn back time, what would you have changed financially?

What a thoughtful question. This took me a whole day to ponder...

I would definitely go back to college to change my spending habits. Not to mention my attitude towards money. Instead of spending money shopping every weekend and eating out everyday, I would learn to invest it. Maybe in a Roth IRA, but probably in the stock market. Because I think I had more time to learn intensively about portfolio-building when I was still on a student's schedule.

What would you have changed? Read other answers at the Festival of Under 30 Finances.