If you could go back and do anything differently, knowing what you know now, what would it be? And I know all of us have a laundry list full of these things, right?

Me, I'd not get into credit card trouble in my early twenties that took me almost a decade to crawl out of, and I'd have followed my heart and finished teacher training about ten years ago instead of taking other people's career advice, because now that I have the education done, there are no jobs in the education field!